PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

P.I.A.S.

Brentwood, TN · Charter 67779

NCUA · 1 branch

Q2 2026

$4.2MAssets
$2.1MLoans
$3.5MShares
$737KNet Worth

Executive Summary

  • Earnings: ROA of 0.37%, up 29 bps year over year; NIM at 4.07%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 17.42%, down 509 bps from a year ago.
  • Funding: loans stand at 59.64% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

0.37%+29 bps YoY

Net Interest Margin (quarter, annualized)

4.07%-7 bps YoY

Efficiency Ratio (quarter, annualized)

91.59%-604 bps YoY

Net Worth / Assets

17.42%-509 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.10%0.09%0.11%0.08%0.09%-3.33%0.34%0.37%+29 bps
Return on Equity0.50%0.43%0.50%0.36%0.43%-19.42%1.98%2.11%+176 bps
Net Interest Margin3.85%4.06%3.98%4.14%4.02%3.84%4.02%4.07%-7 bps
Efficiency Ratio95.87%96.24%96.70%97.63%97.31%459%92.00%91.59%-604 bps
Growth
Asset Growth (YoY)-13.90%-12.05%-9.80%-9.85%-3.86%5.16%6.01%9.16%+1,901 bps
Loan Growth (YoY)7.24%4.69%-10.34%-3.72%-9.92%-8.43%1.42%-11.70%-797 bps
Share Growth (YoY)-16.45%-14.69%-11.28%-9.37%-5.01%7.71%8.71%9.17%+1,854 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.89%0.98%1.09%1.04%1.10%1.12%1.11%1.21%+17 bps
Capital
Risk-Based Capital20.69%21.55%21.65%22.50%21.60%17.16%17.16%17.42%-509 bps
Net Worth / Assets20.69%21.55%21.65%22.50%21.60%17.16%17.16%17.42%-509 bps
Liquidity & Funding
Loans / Shares73.09%75.19%68.72%73.73%69.31%63.93%64.11%59.64%-1,409 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps