Nashville, TN · Charter 67720
NCUA · 5 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 | 0.41% | 0.55% | 0.41% | 0.64% | 0.81% | 0.82% | 0.57% | 0.79% | +15 bps | |
| Return on Equity | 3.57% | 4.88% | 3.67% | 5.54% | 7.09% | 7.11% | 5.12% | 6.86% | +131 bps | |
| Net Interest Margin | 3.30% | 3.34% | 3.50% | 3.52% | 3.51% | 3.58% | 3.50% | 3.56% | +4 bps | |
| Efficiency Ratio | 84.25% | 80.90% | 78.70% | 76.91% | 75.35% | 74.34% | 81.68% | 77.88% | +96 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.49% | 8.23% | 6.04% | 5.39% | 5.48% | 5.13% | 7.67% | 6.75% | +136 bps | |
| Loan Growth (YoY) | 0.80% | 1.80% | 3.18% | 4.47% | 5.80% | 6.13% | 6.47% | 4.62% | +15 bps | |
| Share Growth (YoY) | 6.89% | 8.00% | 5.21% | 5.97% | 6.27% | 5.34% | 8.59% | 6.97% | +100 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.56% | 0.77% | 0.33% | 0.35% | 0.22% | 0.74% | 0.67% | 0.70% | +36 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 | 11.34% | 11.34% | 11.29% | 11.48% | 11.47% | 11.47% | 11.19% | 11.52% | +4 bps | |
| Net Worth / Assets | 11.34% | 11.34% | 11.29% | 11.48% | 11.47% | 11.47% | 11.19% | 11.52% | +4 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.42% | 80.76% | 80.07% | 80.69% | 81.07% | 81.37% | 78.50% | 78.92% | -177 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |