PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Scenic Community

Hixson, TN · Charter 67747

NCUA · 5 branches

Q2 2026

$163.8MAssets
$138.2MLoans
$147.5MShares
$15.4MNet 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 0.00%, up 13 bps year over year; NIM at 4.20%.
  • Asset quality: problem loans at 1.46% of loans (+90 bps YoY).
  • Capital: net worth / assets of 9.37%, down 62 bps from a year ago.
  • Funding: loans stand at 93.69% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.00%+13 bps YoY

Net Interest Margin (quarter, annualized)

4.20%-30 bps YoY

Efficiency Ratio (quarter, annualized)

86.70%-188 bps YoY

Net Worth / Assets

9.37%-62 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.13%-0.22%-0.26%-0.45%0.00%+13 bps
Return on Equity-1.31%-2.21%-2.72%-4.77%0.02%+134 bps
Net Interest Margin4.50%4.49%4.68%4.16%4.20%-30 bps
Efficiency Ratio88.58%88.45%86.19%88.05%86.70%-188 bps
Growth
Asset Growth (YoY)0.12%-0.26%-2.36%-0.43%0.74%+63 bps
Loan Growth (YoY)-2.53%-3.92%-2.33%-2.90%6.02%+856 bps
Share Growth (YoY)4.90%4.45%0.63%0.53%1.36%-354 bps
Asset Quality
Delinquent Loans / Loans0.56%0.63%1.06%1.21%1.46%+90 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 Capital10.00%9.80%9.67%9.44%9.37%-62 bps
Net Worth / Assets10.00%9.80%9.67%9.44%9.37%-62 bps
Liquidity & Funding
Loans / Shares89.58%89.30%91.13%86.87%93.69%+411 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps