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Nashville Post Office

Nashville, TN · Charter 67922

NCUA · 1 branch

Q2 2026

$81.3MAssets
$40.4MLoans
$67.5MShares
$13.2MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.09%, down 19 bps year over year; NIM at 3.25%.
  • Asset quality: problem loans at 0.76% of loans (-30 bps YoY).
  • Capital: net worth / assets of 16.17%, down 96 bps from a year ago.
  • Funding: loans stand at 59.87% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.09%-19 bps YoY

Net Interest Margin (quarter, annualized)

3.25%+28 bps YoY

Efficiency Ratio (quarter, annualized)

72.37%-510 bps YoY

Net Worth / Assets

16.17%-96 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.28%0.34%0.37%-1.09%0.09%-19 bps
Return on Equity1.64%1.98%2.19%-6.73%0.54%-110 bps
Net Interest Margin2.96%3.04%2.95%3.09%3.25%+28 bps
Efficiency Ratio77.46%76.43%76.83%81.33%72.37%-510 bps
Growth
Asset Growth (YoY)9.18%5.12%8.68%6.55%6.01%-317 bps
Loan Growth (YoY)3.63%3.70%4.53%8.83%11.92%+829 bps
Share Growth (YoY)8.29%4.61%8.35%6.88%6.68%-161 bps
Asset Quality
Delinquent Loans / Loans1.07%0.87%1.25%0.80%0.76%-30 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital17.13%17.34%16.66%16.23%16.17%-96 bps
Net Worth / Assets17.13%17.34%16.66%16.23%16.17%-96 bps
Liquidity & Funding
Loans / Shares57.07%58.71%56.16%58.24%59.87%+280 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps