PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

US Community

Nashville, TN · Charter 67720

NCUA · 5 branches

Q2 2026

$345.7MAssets
$237.7MLoans
$301.2MShares
$39.8MNet 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 0.79%, up 15 bps year over year; NIM at 3.56%.
  • Asset quality: problem loans at 0.70% of loans (+36 bps YoY).
  • Capital: net worth / assets of 11.52%, up 4 bps from a year ago.
  • Funding: loans stand at 78.92% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.79%+15 bps YoY

Net Interest Margin (quarter, annualized)

3.56%+4 bps YoY

Efficiency Ratio (quarter, annualized)

77.88%+96 bps YoY

Net Worth / Assets

11.52%+4 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.64%0.81%0.82%0.57%0.79%+15 bps
Return on Equity5.54%7.09%7.11%5.12%6.86%+131 bps
Net Interest Margin3.52%3.51%3.58%3.50%3.56%+4 bps
Efficiency Ratio76.91%75.35%74.34%81.68%77.88%+96 bps
Growth
Asset Growth (YoY)5.39%5.48%5.13%7.67%6.75%+136 bps
Loan Growth (YoY)4.47%5.80%6.13%6.47%4.62%+15 bps
Share Growth (YoY)5.97%6.27%5.34%8.59%6.97%+100 bps
Asset Quality
Delinquent Loans / Loans0.35%0.22%0.74%0.67%0.70%+36 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 Capital11.48%11.47%11.47%11.19%11.52%+4 bps
Net Worth / Assets11.48%11.47%11.47%11.19%11.52%+4 bps
Liquidity & Funding
Loans / Shares80.69%81.07%81.37%78.50%78.92%-177 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps