PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Cn/Ic Employees

Memphis, TN · Charter 68069

NCUA · 1 branch

Q2 2026

$10.4MAssets
$7.2MLoans
$8.8MShares
$1.4MNet Worth

Executive Summary

  • Earnings: ROA of -0.82%, down 94 bps year over year; NIM at 5.42%.
  • Asset quality: problem loans at 1.04% of loans (+3 bps YoY).
  • Capital: net worth / assets of 13.62%, down 148 bps from a year ago.
  • Funding: loans stand at 82.66% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

-0.82%-94 bps YoY

Net Interest Margin (quarter, annualized)

5.42%+14 bps YoY

Efficiency Ratio (quarter, annualized)

91.59%-131 bps YoY

Net Worth / Assets

13.62%-148 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.49%-0.25%0.73%0.12%-0.51%-0.58%-0.04%-0.82%-94 bps
Return on Equity-3.18%-1.62%4.79%0.80%-3.45%-4.11%-0.29%-6.03%-683 bps
Net Interest Margin5.38%5.52%5.33%5.28%5.44%5.33%5.44%5.42%+14 bps
Efficiency Ratio80.70%83.78%92.65%92.90%93.88%94.08%93.69%91.59%-131 bps
Growth
Asset Growth (YoY)3.44%2.03%0.57%-1.67%0.72%3.85%1.73%1.57%+323 bps
Loan Growth (YoY)1.36%0.49%0.39%-0.73%4.42%1.35%2.49%3.36%+409 bps
Share Growth (YoY)4.91%2.87%0.96%-1.38%2.16%5.84%3.36%3.51%+489 bps
Asset Quality
Delinquent Loans / Loans2.30%2.61%1.87%1.01%2.37%1.64%2.70%1.04%+3 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 Capital15.28%15.51%15.23%15.10%14.69%14.15%13.99%13.62%-148 bps
Net Worth / Assets15.28%15.51%15.23%15.10%14.69%14.15%13.99%13.62%-148 bps
Liquidity & Funding
Loans / Shares83.58%85.43%82.37%82.78%85.43%81.81%81.67%82.66%-12 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps