Chattanooga, TN · Charter 67738
NCUA · 1 branch
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 | 1.00% | 0.97% | 0.34% | 0.53% | 0.72% | 0.80% | 0.59% | 0.82% | +29 bps | |
| Return on Equity | 5.35% | 4.98% | 1.73% | 2.79% | 3.58% | 3.88% | 2.72% | 3.21% | +42 bps | |
| Net Interest Margin | 3.45% | 3.57% | 3.59% | 3.54% | 3.76% | 3.85% | 3.82% | 4.43% | +89 bps | |
| Efficiency Ratio | 77.64% | 78.09% | 89.41% | 88.06% | 84.24% | 80.92% | 84.03% | 87.13% | -93 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.10% | -8.09% | -4.47% | -1.77% | -4.04% | -1.95% | -4.85% | -23.67% | -2,190 bps | |
| Loan Growth (YoY) | -2.81% | -9.48% | -16.51% | -13.22% | -13.94% | -14.39% | -16.19% | -33.55% | -2,033 bps | |
| Share Growth (YoY) | -10.28% | -8.81% | -5.95% | -2.15% | -5.88% | -3.41% | -6.98% | -29.73% | -2,758 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.02% | 0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.11% | +11 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 | 18.61% | 19.52% | 19.59% | 19.03% | 20.12% | 20.71% | 21.49% | 25.64% | +661 bps | |
| Net Worth / Assets | 18.61% | 19.52% | 19.59% | 19.03% | 20.12% | 20.71% | 21.49% | 25.64% | +661 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 35.72% | 37.12% | 33.21% | 32.69% | 32.66% | 32.90% | 29.92% | 30.91% | -178 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |