PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Y-12

Oak Ridge, TN · Charter 6775

NCUA · 23 branches

Q2 2026

$2.8BAssets
$2.3BLoans
$2.2BShares
$290.9MNet 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 1.44%, up 21 bps year over year; NIM at 3.65%.
  • Asset quality: problem loans at 0.52% of loans (+15 bps YoY).
  • Capital: net worth / assets of 10.53%, down 81 bps from a year ago.
  • Funding: loans stand at 102.85% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.44%+21 bps YoY

Net Interest Margin (YTD, annualized)

3.65%+24 bps YoY

Efficiency Ratio (YTD, annualized)

63.44%+172 bps YoY

Net Worth / Assets

10.53%-81 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.23%1.00%0.90%1.38%1.44%+21 bps
Return on Equity10.82%10.10%8.98%13.61%13.65%+283 bps
Net Interest Margin3.41%3.11%3.22%3.59%3.65%+24 bps
Efficiency Ratio61.71%61.99%63.55%62.42%63.44%+172 bps
Growth
Asset Growth (YoY)17.10%26.77%26.81%25.76%19.51%+242 bps
Loan Growth (YoY)9.05%29.08%29.10%26.54%24.27%+1,522 bps
Share Growth (YoY)7.76%25.43%23.48%24.85%21.81%+1,405 bps
Asset Quality
Delinquent Loans / Loans0.36%0.38%0.48%0.43%0.52%+15 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 Capital11.34%9.86%9.96%10.16%10.53%-81 bps
Net Worth / Assets11.34%9.86%9.96%10.16%10.53%-81 bps
Liquidity & Funding
Loans / Shares100.81%103.84%104.82%100.23%102.85%+204 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps