PackageTrendsPeer
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Tnconnect

Knoxville, TN · Charter 67666

NCUA · 2 branches

Q2 2026

$90.6MAssets
$61.3MLoans
$84.2MShares
$6.5MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.19%, down 40 bps year over year; NIM at 3.70%.
  • Asset quality: problem loans at 0.64% of loans (-103 bps YoY).
  • Capital: net worth / assets of 7.18%, down 31 bps from a year ago.
  • Funding: loans stand at 72.85% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.19%-40 bps YoY

Net Interest Margin (YTD, annualized)

3.70%-35 bps YoY

Efficiency Ratio (YTD, annualized)

81.11%+309 bps YoY

Net Worth / Assets

7.18%-31 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.59%0.61%0.56%0.13%0.19%-40 bps
Return on Equity7.88%8.11%7.50%1.81%2.59%-528 bps
Net Interest Margin4.05%4.03%3.98%3.72%3.70%-35 bps
Efficiency Ratio78.02%78.42%77.69%82.17%81.11%+309 bps
Growth
Asset Growth (YoY)7.55%9.26%7.56%7.94%8.73%+118 bps
Loan Growth (YoY)9.55%8.82%9.50%-5.96%-7.35%-1,690 bps
Share Growth (YoY)7.77%9.52%10.62%8.23%9.56%+179 bps
Asset Quality
Delinquent Loans / Loans1.67%0.56%0.95%0.72%0.64%-103 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital7.49%7.54%7.47%7.23%7.18%-31 bps
Net Worth / Assets7.49%7.54%7.47%7.23%7.18%-31 bps
Liquidity & Funding
Loans / Shares86.15%83.69%79.05%74.51%72.85%-1,330 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps