Johnson City, TN · Charter 67701
NCUA · 3 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.49% | 0.47% | -0.07% | 0.07% | 0.13% | 0.12% | -0.55% | -0.11% | -18 bps | |
| Return on Equity | 3.36% | 3.32% | -0.54% | 0.49% | 0.91% | 0.84% | -4.01% | -0.81% | -130 bps | |
| Net Interest Margin | 4.16% | 4.10% | 4.00% | 4.19% | 4.26% | 4.22% | 4.17% | 4.26% | +7 bps | |
| Efficiency Ratio | 85.73% | 85.92% | 92.19% | 92.70% | 90.54% | 90.92% | 104.11% | 94.97% | +227 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.28% | 0.92% | 2.61% | 0.84% | 2.04% | 1.17% | -0.94% | 1.35% | +51 bps | |
| Loan Growth (YoY) | 7.99% | 7.31% | 3.55% | 3.07% | 2.44% | 1.79% | 2.96% | 0.68% | -238 bps | |
| Share Growth (YoY) | -2.57% | 1.26% | 3.15% | 0.94% | 1.83% | 1.06% | -1.16% | 1.53% | +59 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.93% | 1.04% | 0.50% | 0.89% | 1.22% | 1.30% | 1.33% | 1.47% | +59 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 | 14.52% | 14.18% | 13.76% | 14.26% | 14.34% | 14.03% | 13.79% | 14.00% | -26 bps | |
| Net Worth / Assets | 14.52% | 14.18% | 13.76% | 14.26% | 14.34% | 14.03% | 13.79% | 14.00% | -26 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 79.16% | 77.80% | 74.33% | 77.56% | 79.63% | 78.37% | 77.44% | 76.91% | -65 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |