PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

St. Thomas

Nashville, TN · Charter 68071

NCUA · 1 branch

Q2 2026

$38.3MAssets
$29.4MLoans
$33.4MShares
$4.7MNet 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 0.58%, down 2 bps year over year; NIM at 4.77%.
  • Asset quality: problem loans at 1.86% of loans (-178 bps YoY).
  • Capital: net worth / assets of 12.26%, up 106 bps from a year ago.
  • Funding: loans stand at 87.96% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.58%-2 bps YoY

Net Interest Margin (YTD, annualized)

4.77%+30 bps YoY

Efficiency Ratio (YTD, annualized)

76.26%-121 bps YoY

Net Worth / Assets

12.26%+106 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.60%0.68%0.63%0.87%0.58%-2 bps
Return on Equity5.39%5.90%5.31%7.24%4.75%-64 bps
Net Interest Margin4.46%4.55%4.69%4.73%4.77%+30 bps
Efficiency Ratio77.47%76.53%77.94%77.79%76.26%-121 bps
Growth
Asset Growth (YoY)3.39%-1.83%-3.26%-3.68%-2.23%-563 bps
Loan Growth (YoY)-0.21%-1.96%0.47%1.96%4.60%+481 bps
Share Growth (YoY)3.23%-2.71%-4.03%-3.68%-2.92%-615 bps
Asset Quality
Delinquent Loans / Loans3.64%4.30%3.15%2.59%1.86%-178 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 Capital11.20%11.49%11.87%11.97%12.26%+106 bps
Net Worth / Assets11.20%11.49%11.87%11.97%12.26%+106 bps
Liquidity & Funding
Loans / Shares81.63%83.54%85.11%85.52%87.96%+633 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps