PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Lakeside

New Johnsonvill, TN · Charter 67713

NCUA · 2 branches

Q2 2026

$44.7MAssets
$21.6MLoans
$37.0MShares
$7.6MNet 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 1.29%, down 18 bps year over year; NIM at 4.24%.
  • Asset quality: problem loans at 0.56% of loans (-139 bps YoY).
  • Capital: net worth / assets of 16.92%, up 75 bps from a year ago.
  • Funding: loans stand at 58.26% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.29%-18 bps YoY

Net Interest Margin (YTD, annualized)

4.24%-17 bps YoY

Efficiency Ratio (YTD, annualized)

68.91%+1,088 bps YoY

Net Worth / Assets

16.92%+75 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.47%1.38%1.39%1.55%1.29%-18 bps
Return on Equity9.09%8.20%8.09%9.10%7.60%-149 bps
Net Interest Margin4.41%4.57%4.61%4.49%4.24%-17 bps
Efficiency Ratio58.03%58.98%60.26%67.99%68.91%+1,088 bps
Growth
Asset Growth (YoY)6.62%5.15%2.70%1.28%3.17%-344 bps
Loan Growth (YoY)4.11%0.99%-0.22%-0.77%-4.43%-854 bps
Share Growth (YoY)5.68%3.95%0.93%-0.34%2.10%-359 bps
Asset Quality
Delinquent Loans / Loans1.95%0.68%0.94%0.73%0.56%-139 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 Capital16.17%16.89%17.18%16.98%16.92%+75 bps
Net Worth / Assets16.17%16.89%17.18%16.98%16.92%+75 bps
Liquidity & Funding
Loans / Shares62.24%64.28%64.06%60.42%58.26%-398 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps