Knoxville, TN · Charter 67778
NCUA · 4 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 | 2.42% | 2.09% | 1.91% | 2.17% | 2.21% | 1.77% | 0.85% | 1.50% | -68 bps | |
| Return on Equity | 11.57% | 10.11% | 9.21% | 10.30% | 10.10% | 8.19% | 3.83% | 6.49% | -381 bps | |
| Net Interest Margin | 4.42% | 4.05% | 3.98% | 3.92% | 3.97% | 3.68% | 3.82% | 3.89% | -3 bps | |
| Efficiency Ratio | 44.70% | 48.42% | 54.04% | 48.21% | 48.86% | 55.73% | 50.94% | 51.01% | +280 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.29% | 2.53% | 5.25% | 6.61% | 5.19% | 4.18% | 0.03% | -2.40% | -901 bps | |
| Loan Growth (YoY) | -7.72% | -8.84% | -8.21% | -6.67% | -6.67% | -3.15% | -5.39% | -5.71% | +96 bps | |
| Share Growth (YoY) | -2.65% | 0.30% | 4.05% | 5.60% | 4.04% | 2.96% | -1.85% | -4.64% | -1,024 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.27% | 0.31% | 0.37% | 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 | 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 | 20.94% | 20.69% | 20.71% | 21.10% | 21.88% | 21.63% | 22.25% | 23.08% | +198 bps | |
| Net Worth / Assets | 20.94% | 20.69% | 20.71% | 21.10% | 21.88% | 21.63% | 22.25% | 23.08% | +198 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 78.29% | 74.10% | 72.78% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |