Springfield, TN · Charter 67741
NCUA · 7 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.48% | 0.51% | 0.56% | 0.73% | 0.82% | 0.77% | 1.49% | 1.16% | +44 bps | |
| Return on Equity | 3.83% | 4.21% | 4.72% | 5.90% | 6.39% | 6.04% | 11.57% | 8.87% | +297 bps | |
| Net Interest Margin | 5.07% | 4.99% | 4.81% | 4.99% | 5.16% | 5.18% | 5.19% | 5.14% | +15 bps | |
| Efficiency Ratio | 76.04% | 74.78% | 84.89% | 80.17% | 78.36% | 78.77% | 80.40% | 82.12% | +195 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.60% | 1.59% | 4.13% | 0.75% | 1.18% | -0.39% | -1.98% | -0.02% | -77 bps | |
| Loan Growth (YoY) | 3.11% | 0.03% | -3.38% | 0.98% | -0.78% | 0.37% | -0.80% | -4.00% | -499 bps | |
| Share Growth (YoY) | -3.55% | 2.13% | 5.43% | 1.06% | 1.85% | -1.87% | -3.34% | -0.51% | -157 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.17% | 1.05% | 0.40% | 0.62% | 0.50% | 0.61% | 0.19% | 0.59% | -3 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 | 12.43% | 12.19% | 11.84% | 12.35% | 12.85% | 12.80% | 12.86% | 13.12% | +77 bps | |
| Net Worth / Assets | 12.43% | 12.19% | 11.84% | 12.35% | 12.85% | 12.80% | 12.86% | 13.12% | +77 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 83.68% | 79.51% | 74.88% | 80.17% | 81.52% | 81.32% | 76.85% | 77.35% | -282 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |