Knoxville, TN · Charter 67666
NCUA · 2 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.67% | 0.67% | 0.42% | 0.59% | 0.61% | 0.56% | 0.13% | 0.19% | -40 bps | |
| Return on Equity | 8.82% | 8.95% | 5.65% | 7.88% | 8.11% | 7.50% | 1.81% | 2.59% | -528 bps | |
| Net Interest Margin | 4.00% | 3.94% | 3.99% | 4.05% | 4.03% | 3.98% | 3.72% | 3.70% | -35 bps | |
| Efficiency Ratio | 81.79% | 80.59% | 80.23% | 78.02% | 78.42% | 77.69% | 82.17% | 81.11% | +309 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.83% | 7.78% | 8.11% | 7.55% | 9.26% | 7.56% | 7.94% | 8.73% | +118 bps | |
| Loan Growth (YoY) | 3.13% | -1.89% | 8.76% | 9.55% | 8.82% | 9.50% | -5.96% | -7.35% | -1,690 bps | |
| Share Growth (YoY) | 3.66% | 7.53% | 8.33% | 7.77% | 9.52% | 10.62% | 8.23% | 9.56% | +179 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.15% | 0.93% | 0.86% | 1.67% | 0.56% | 0.95% | 0.72% | 0.64% | -103 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.62% | 7.50% | 7.35% | 7.49% | 7.54% | 7.47% | 7.23% | 7.18% | -31 bps | |
| Net Worth / Assets | 7.62% | 7.50% | 7.35% | 7.49% | 7.54% | 7.47% | 7.23% | 7.18% | -31 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 84.22% | 79.86% | 85.76% | 86.15% | 83.69% | 79.05% | 74.51% | 72.85% | -1,330 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |