New Johnsonvill, TN · Charter 67713
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 | 1.39% | 1.45% | 1.53% | 1.47% | 1.38% | 1.39% | 1.55% | 1.29% | -18 bps | |
| Return on Equity | 8.56% | 8.95% | 9.66% | 9.09% | 8.20% | 8.09% | 9.10% | 7.60% | -149 bps | |
| Net Interest Margin | 4.27% | 4.21% | 4.33% | 4.41% | 4.57% | 4.61% | 4.49% | 4.24% | -17 bps | |
| Efficiency Ratio | 61.79% | 61.53% | 59.28% | 58.03% | 58.98% | 60.26% | 67.99% | 68.91% | +1,088 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.15% | 3.11% | 6.13% | 6.62% | 5.15% | 2.70% | 1.28% | 3.17% | -344 bps | |
| Loan Growth (YoY) | 9.93% | 9.05% | 6.02% | 4.11% | 0.99% | -0.22% | -0.77% | -4.43% | -854 bps | |
| Share Growth (YoY) | 0.12% | 2.77% | 5.35% | 5.68% | 3.95% | 0.93% | -0.34% | 2.10% | -359 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.58% | 0.74% | 0.96% | 1.95% | 0.68% | 0.94% | 0.73% | 0.56% | -139 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 | 16.21% | 16.22% | 15.83% | 16.17% | 16.89% | 17.18% | 16.98% | 16.92% | +75 bps | |
| Net Worth / Assets | 16.21% | 16.22% | 15.83% | 16.17% | 16.89% | 17.18% | 16.98% | 16.92% | +75 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.16% | 64.80% | 60.68% | 62.24% | 64.28% | 64.06% | 60.42% | 58.26% | -398 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |