Lynchburg, TN · Charter 67197
NCUA · 2 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.54% | 1.56% | 0.83% | 1.27% | 1.18% | -35 bps | |
| Return on Equity | 13.49% | 13.34% | 7.30% | 11.25% | 10.43% | -306 bps | |
| Net Interest Margin | 3.15% | 3.19% | 2.52% | 3.25% | 3.27% | +12 bps | |
| Efficiency Ratio | 64.99% | 63.75% | 78.88% | 63.69% | 64.12% | -87 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.50% | 7.15% | 4.61% | 5.92% | 6.31% | +81 bps | |
| Loan Growth (YoY) | 4.54% | 3.78% | 0.32% | 1.60% | 4.41% | -13 bps | |
| Share Growth (YoY) | 4.12% | 5.75% | 5.38% | 5.32% | 6.04% | +192 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.36% | 0.44% | 0.54% | 0.56% | 0.63% | +26 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.38% | 11.67% | 11.33% | 11.28% | 11.32% | -6 bps | |
| Net Worth / Assets | 11.38% | 11.67% | 11.33% | 11.28% | 11.32% | -6 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 78.84% | 78.29% | 77.40% | 77.21% | 77.63% | -121 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |