Hixson, TN · Charter 67747
NCUA · 5 branches
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 | 0.51% | 0.24% | -0.31% | -0.13% | -0.22% | -0.26% | -0.45% | 0.00% | +13 bps | |
| Return on Equity | 4.92% | 2.43% | -3.05% | -1.31% | -2.21% | -2.72% | -4.77% | 0.02% | +134 bps | |
| Net Interest Margin | 3.86% | 3.98% | 4.49% | 4.50% | 4.49% | 4.68% | 4.16% | 4.20% | -30 bps | |
| Efficiency Ratio | 79.88% | 82.77% | 91.85% | 88.58% | 88.45% | 86.19% | 88.05% | 86.70% | -188 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.88% | 4.85% | 2.17% | 0.12% | -0.26% | -2.36% | -0.43% | 0.74% | +63 bps | |
| Loan Growth (YoY) | 17.55% | 9.65% | 3.21% | -2.53% | -3.92% | -2.33% | -2.90% | 6.02% | +856 bps | |
| Share Growth (YoY) | 9.51% | 4.70% | 5.63% | 4.90% | 4.45% | 0.63% | 0.53% | 1.36% | -354 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.86% | 0.53% | 0.61% | 0.56% | 0.63% | 1.06% | 1.21% | 1.46% | +90 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 | 10.45% | 10.06% | 10.05% | 10.00% | 9.80% | 9.67% | 9.44% | 9.37% | -62 bps | |
| Net Worth / Assets | 10.45% | 10.06% | 10.05% | 10.00% | 9.80% | 9.67% | 9.44% | 9.37% | -62 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 97.07% | 93.88% | 89.94% | 89.58% | 89.30% | 91.13% | 86.87% | 93.69% | +411 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |