PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Bcbst Employees

Chattanooga, TN · Charter 67738

NCUA · 1 branch

Q2 2026

$8.3MAssets
$1.9MLoans
$6.2MShares
$2.1MNet 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 0.82%, up 29 bps year over year; NIM at 4.43%.
  • Asset quality: problem loans at 0.11% of loans (+11 bps YoY).
  • Capital: net worth / assets of 25.64%, up 661 bps from a year ago.
  • Funding: loans stand at 30.91% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.82%+29 bps YoY

Net Interest Margin (quarter, annualized)

4.43%+89 bps YoY

Efficiency Ratio (quarter, annualized)

87.13%-93 bps YoY

Net Worth / Assets

25.64%+661 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.53%0.72%0.80%0.59%0.82%+29 bps
Return on Equity2.79%3.58%3.88%2.72%3.21%+42 bps
Net Interest Margin3.54%3.76%3.85%3.82%4.43%+89 bps
Efficiency Ratio88.06%84.24%80.92%84.03%87.13%-93 bps
Growth
Asset Growth (YoY)-1.77%-4.04%-1.95%-4.85%-23.67%-2,190 bps
Loan Growth (YoY)-13.22%-13.94%-14.39%-16.19%-33.55%-2,033 bps
Share Growth (YoY)-2.15%-5.88%-3.41%-6.98%-29.73%-2,758 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.11%+11 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 Capital19.03%20.12%20.71%21.49%25.64%+661 bps
Net Worth / Assets19.03%20.12%20.71%21.49%25.64%+661 bps
Liquidity & Funding
Loans / Shares32.69%32.66%32.90%29.92%30.91%-178 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps