Oak Ridge, TN · Charter 6778
NCUA · 9 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.24% | 1.41% | 1.40% | 0.90% | 1.37% | +13 bps | |
| Return on Equity | 10.98% | 12.15% | 11.87% | 7.57% | 11.24% | +26 bps | |
| Net Interest Margin | 3.24% | 3.25% | 3.26% | 3.28% | 3.31% | +7 bps | |
| Efficiency Ratio | 65.63% | 62.78% | 61.55% | 68.26% | 62.18% | -345 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.81% | 2.82% | 5.07% | 4.90% | 5.49% | -132 bps | |
| Loan Growth (YoY) | 5.98% | 6.45% | 4.67% | 4.96% | 3.46% | -252 bps | |
| Share Growth (YoY) | 6.10% | 1.55% | 4.10% | 3.93% | 4.49% | -160 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.51% | 0.72% | 0.56% | 0.26% | 0.37% | -14 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 | 11.34% | 11.62% | 11.76% | 11.87% | 12.19% | +85 bps | |
| Net Worth / Assets | 11.34% | 11.62% | 11.76% | 11.87% | 12.19% | +85 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 84.54% | 85.92% | 85.25% | 84.70% | 83.70% | -84 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |