PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Credit Union for Robertson County

Springfield, TN · Charter 67741

NCUA · 7 branches

Q2 2026

$85.3MAssets
$56.8MLoans
$73.5MShares
$11.2MNet 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 1.16%, up 44 bps year over year; NIM at 5.14%.
  • Asset quality: problem loans at 0.59% of loans (-3 bps YoY).
  • Capital: net worth / assets of 13.12%, up 77 bps from a year ago.
  • Funding: loans stand at 77.35% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.16%+44 bps YoY

Net Interest Margin (quarter, annualized)

5.14%+15 bps YoY

Efficiency Ratio (quarter, annualized)

82.12%+195 bps YoY

Net Worth / Assets

13.12%+77 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.73%0.82%0.77%1.49%1.16%+44 bps
Return on Equity5.90%6.39%6.04%11.57%8.87%+297 bps
Net Interest Margin4.99%5.16%5.18%5.19%5.14%+15 bps
Efficiency Ratio80.17%78.36%78.77%80.40%82.12%+195 bps
Growth
Asset Growth (YoY)0.75%1.18%-0.39%-1.98%-0.02%-77 bps
Loan Growth (YoY)0.98%-0.78%0.37%-0.80%-4.00%-499 bps
Share Growth (YoY)1.06%1.85%-1.87%-3.34%-0.51%-157 bps
Asset Quality
Delinquent Loans / Loans0.62%0.50%0.61%0.19%0.59%-3 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 Capital12.35%12.85%12.80%12.86%13.12%+77 bps
Net Worth / Assets12.35%12.85%12.80%12.86%13.12%+77 bps
Liquidity & Funding
Loans / Shares80.17%81.52%81.32%76.85%77.35%-282 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps