PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Hiwassee River

Charleston, TN · Charter 67946

NCUA · 2 branches

Q2 2026

$27.5MAssets
$11.5MLoans
$24.4MShares
$3.0MNet Worth

Executive Summary

  • Earnings: ROA of 0.40%, down 18 bps year over year; NIM at 2.86%.
  • Asset quality: problem loans at 0.15% of loans (-19 bps YoY).
  • Capital: net worth / assets of 10.94%, up 70 bps from a year ago.
  • Funding: loans stand at 47.12% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.40%-18 bps YoY

Net Interest Margin (YTD, annualized)

2.86%+18 bps YoY

Efficiency Ratio (YTD, annualized)

87.67%+830 bps YoY

Net Worth / Assets

10.94%+70 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.54%0.47%0.52%0.58%0.70%0.61%0.53%0.40%-18 bps
Return on Equity5.62%4.73%5.23%5.66%6.49%5.55%4.91%3.68%-199 bps
Net Interest Margin2.34%2.42%2.49%2.68%2.81%2.84%2.81%2.86%+18 bps
Efficiency Ratio79.39%82.06%80.86%79.37%77.19%79.65%82.40%87.67%+830 bps
Growth
Asset Growth (YoY)-2.97%-3.86%-1.90%-3.62%-5.64%-5.05%-2.65%-1.93%+170 bps
Loan Growth (YoY)-12.64%-7.28%-8.72%-10.68%-7.58%-9.08%-9.93%-9.04%+165 bps
Share Growth (YoY)-3.96%-5.08%-2.83%-4.97%-6.93%-5.95%-3.42%-2.27%+271 bps
Asset Quality
Delinquent Loans / Loans0.01%0.21%0.00%0.34%0.44%0.21%0.07%0.15%-19 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%9.86%9.89%10.25%10.75%10.99%10.74%10.94%+70 bps
Net Worth / Assets9.60%9.86%9.89%10.25%10.75%10.99%10.74%10.94%+70 bps
Liquidity & Funding
Loans / Shares53.15%53.73%51.70%50.63%52.78%51.94%48.21%47.12%-351 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps