Lawrenceburg, TN · Charter 67789
NCUA · 6 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 | 0.45% | 0.51% | 0.54% | 0.29% | 0.54% | +9 bps | |
| Return on Equity | 4.90% | 5.52% | 5.88% | 3.10% | 5.75% | +85 bps | |
| Net Interest Margin | 3.23% | 3.35% | 3.36% | 3.55% | 3.79% | +56 bps | |
| Efficiency Ratio | 74.55% | 73.40% | 73.52% | 78.86% | 75.39% | +84 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 11.61% | 8.88% | 3.97% | 3.13% | 3.86% | -775 bps | |
| Loan Growth (YoY) | 7.87% | 7.94% | 5.01% | 8.04% | 10.72% | +286 bps | |
| Share Growth (YoY) | 13.05% | 8.77% | 3.39% | 2.54% | 3.40% | -965 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.00% | 0.82% | 0.85% | 0.51% | 0.58% | -42 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 | 9.21% | 9.31% | 9.23% | 9.30% | 9.46% | +25 bps | |
| Net Worth / Assets | 9.21% | 9.31% | 9.23% | 9.30% | 9.46% | +25 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 82.84% | 84.30% | 80.77% | 82.03% | 88.71% | +587 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |