PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Your Best Credit Union

Nashville, TN · Charter 67757

NCUA · 2 branches

Q2 2026

$16.0MAssets
$12.1MLoans
$13.5MShares
$2.4MNet Worth

Executive Summary

  • Earnings: ROA of -0.51%, down 108 bps year over year; NIM at 4.80%.
  • Asset quality: problem loans at 0.32% of loans (+32 bps YoY).
  • Capital: net worth / assets of 15.24%, up 93 bps from a year ago.
  • Funding: loans stand at 89.67% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

-0.51%-108 bps YoY

Net Interest Margin (quarter, annualized)

4.80%+66 bps YoY

Efficiency Ratio (quarter, annualized)

75.16%-220 bps YoY

Net Worth / Assets

15.24%+93 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.03%0.22%0.56%0.57%0.03%0.14%-1.72%-0.51%-108 bps
Return on Equity-0.22%1.56%4.01%3.98%0.22%0.91%-11.65%-3.34%-732 bps
Net Interest Margin3.98%3.92%3.96%4.14%4.43%4.56%4.64%4.80%+66 bps
Efficiency Ratio85.95%83.85%80.11%77.35%78.62%77.29%76.99%75.16%-220 bps
Growth
Asset Growth (YoY)-4.52%-0.27%2.41%1.72%-4.93%-7.97%-8.28%-8.62%-1,034 bps
Loan Growth (YoY)-7.44%-6.51%-6.43%-8.51%-4.54%-3.03%-4.74%-2.03%+648 bps
Share Growth (YoY)-5.34%-0.49%1.67%0.75%-6.00%-9.46%-9.08%-9.60%-1,035 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.04%0.00%0.03%0.00%0.00%0.32%+32 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital14.39%14.20%13.93%14.31%15.28%15.57%14.75%15.24%+93 bps
Net Worth / Assets14.39%14.20%13.93%14.31%15.28%15.57%14.75%15.24%+93 bps
Liquidity & Funding
Loans / Shares91.13%89.12%84.30%82.74%92.55%95.45%88.32%89.67%+693 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps