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Employee Resources

Lawrenceburg, TN · Charter 67789

NCUA · 6 branches

Q2 2026

$185.5MAssets
$148.7MLoans
$167.6MShares
$17.6MNet Worth

Executive Summary

  • Earnings: ROA of 0.54%, up 9 bps year over year; NIM at 3.79%.
  • Asset quality: problem loans at 0.58% of loans (-42 bps YoY).
  • Capital: net worth / assets of 9.46%, up 25 bps from a year ago.
  • Funding: loans stand at 88.71% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.54%+9 bps YoY

Net Interest Margin (YTD, annualized)

3.79%+56 bps YoY

Efficiency Ratio (YTD, annualized)

75.39%+84 bps YoY

Net Worth / Assets

9.46%+25 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.68%0.58%0.26%0.45%0.51%0.54%0.29%0.54%+9 bps
Return on Equity7.09%6.45%2.90%4.90%5.52%5.88%3.10%5.75%+85 bps
Net Interest Margin3.09%2.89%2.98%3.23%3.35%3.36%3.55%3.79%+56 bps
Efficiency Ratio72.09%73.05%77.73%74.55%73.40%73.52%78.86%75.39%+84 bps
Growth
Asset Growth (YoY)15.12%20.67%14.61%11.61%8.88%3.97%3.13%3.86%-775 bps
Loan Growth (YoY)3.90%2.94%2.29%7.87%7.94%5.01%8.04%10.72%+286 bps
Share Growth (YoY)17.85%22.86%16.59%13.05%8.77%3.39%2.54%3.40%-965 bps
Asset Quality
Delinquent Loans / Loans0.78%0.73%0.85%1.00%0.82%0.85%0.51%0.58%-42 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.60%9.04%9.03%9.21%9.31%9.23%9.30%9.46%+25 bps
Net Worth / Assets9.60%9.04%9.03%9.21%9.31%9.23%9.30%9.46%+25 bps
Liquidity & Funding
Loans / Shares84.95%79.52%77.85%82.84%84.30%80.77%82.03%88.71%+587 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps