Johnson City, TN · Charter 67776
NCUA · 3 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 | 2.60% | 2.02% | -0.02% | 0.00% | -0.11% | 0.00% | -0.11% | 0.04% | +4 bps | |
| Return on Equity | 23.93% | 17.45% | -0.17% | 0.00% | -1.42% | 0.05% | -1.52% | 0.51% | +51 bps | |
| Net Interest Margin | 3.95% | 4.24% | 3.57% | 3.58% | 3.97% | 4.04% | 3.67% | 3.85% | +27 bps | |
| Efficiency Ratio | 62.93% | 69.55% | 100.31% | 101.92% | 104.34% | 103.94% | 99.56% | 97.38% | -454 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.81% | -10.80% | 2.58% | 5.27% | -6.02% | 0.29% | -11.10% | -13.09% | -1,835 bps | |
| Loan Growth (YoY) | -8.72% | -12.42% | -6.62% | -1.87% | -5.40% | -6.79% | -7.13% | -7.81% | -594 bps | |
| Share Growth (YoY) | -5.02% | -7.73% | -0.37% | 3.35% | -1.87% | 4.95% | -8.26% | -10.28% | -1,363 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.95% | 1.11% | 0.31% | 0.18% | 0.31% | 2.15% | 0.72% | 1.39% | +121 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 | 10.86% | 11.60% | 10.27% | 10.19% | 7.44% | 7.58% | 7.54% | 7.70% | -249 bps | |
| Net Worth / Assets | 10.86% | 11.60% | 10.27% | 10.19% | 7.44% | 7.58% | 7.54% | 7.70% | -249 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 93.73% | 96.71% | 87.58% | 86.60% | 90.37% | 85.89% | 88.66% | 88.99% | +239 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |