PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Bowater Employees

Calhoun, TN · Charter 67970

NCUA · 6 branches

Q2 2026

$302.6MAssets
$217.6MLoans
$267.9MShares
$32.6MNet 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 1.74%, up 106 bps year over year; NIM at 4.56%.
  • Asset quality: problem loans at 0.74% of loans (+4 bps YoY).
  • Capital: net worth / assets of 10.77%, up 183 bps from a year ago.
  • Funding: loans stand at 81.24% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.74%+106 bps YoY

Net Interest Margin (YTD, annualized)

4.56%+85 bps YoY

Efficiency Ratio (YTD, annualized)

64.30%-954 bps YoY

Net Worth / Assets

10.77%+183 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.67%0.91%1.12%1.29%1.74%+106 bps
Return on Equity7.53%9.49%11.06%12.48%16.13%+859 bps
Net Interest Margin3.71%4.08%4.22%4.57%4.56%+85 bps
Efficiency Ratio73.84%71.07%69.89%64.54%64.30%-954 bps
Growth
Asset Growth (YoY)15.78%8.16%-2.64%-5.27%-2.83%-1,861 bps
Loan Growth (YoY)5.84%6.50%6.19%6.37%7.68%+184 bps
Share Growth (YoY)16.89%7.87%-4.00%-7.00%-4.65%-2,155 bps
Asset Quality
Delinquent Loans / Loans0.70%0.89%0.85%0.58%0.74%+4 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 Capital8.94%9.63%10.12%10.31%10.77%+183 bps
Net Worth / Assets8.94%9.63%10.12%10.31%10.77%+183 bps
Liquidity & Funding
Loans / Shares71.93%76.43%76.76%80.99%81.24%+930 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps