Knoxville, TN · Charter 67778
NCUA · 4 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.17% | 2.21% | 1.77% | 0.85% | 1.50% | -68 bps | |
| Return on Equity | 10.30% | 10.10% | 8.19% | 3.83% | 6.49% | -381 bps | |
| Net Interest Margin | 3.92% | 3.97% | 3.68% | 3.82% | 3.89% | -3 bps | |
| Efficiency Ratio | 48.21% | 48.86% | 55.73% | 50.94% | 51.01% | +280 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.61% | 5.19% | 4.18% | 0.03% | -2.40% | -901 bps | |
| Loan Growth (YoY) | -6.67% | -6.67% | -3.15% | -5.39% | -5.71% | +96 bps | |
| Share Growth (YoY) | 5.60% | 4.04% | 2.96% | -1.85% | -4.64% | -1,024 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.32% | 0.35% | 0.42% | 0.57% | 0.47% | +15 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 21.10% | 21.88% | 21.63% | 22.25% | 23.08% | +198 bps | |
| Net Worth / Assets | 21.10% | 21.88% | 21.63% | 22.25% | 23.08% | +198 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 71.42% | 70.23% | 69.71% | 70.15% | 70.61% | -80 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |