Cleveland, TN · Charter 67976
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.29% | -0.02% | 0.07% | 0.15% | 0.29% | +59 bps | |
| Return on Equity | -2.73% | -0.20% | 0.64% | 1.42% | 3.06% | +579 bps | |
| Net Interest Margin | 3.31% | 3.27% | 3.41% | 3.39% | 3.29% | -3 bps | |
| Efficiency Ratio | 91.87% | 90.85% | 90.93% | 89.76% | 85.08% | -679 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.68% | 9.66% | 2.35% | 4.59% | 16.12% | +1,244 bps | |
| Loan Growth (YoY) | -19.15% | -18.28% | -21.41% | -17.29% | -11.79% | +735 bps | |
| Share Growth (YoY) | 0.63% | 5.46% | 2.19% | 4.28% | 20.31% | +1,968 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.04% | 0.59% | 0.66% | 0.57% | 1.17% | +113 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 | 10.76% | 10.57% | 11.08% | 10.33% | 9.60% | -116 bps | |
| Net Worth / Assets | 10.76% | 10.57% | 11.08% | 10.33% | 9.60% | -116 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 40.41% | 38.39% | 35.24% | 32.29% | 29.62% | -1,078 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |