Nashville, TN · Charter 68071
NCUA · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.18% | 1.04% | 0.96% | 0.60% | 0.68% | 0.63% | 0.87% | 0.58% | -2 bps | |
| Return on Equity | 11.08% | 9.56% | 8.76% | 5.39% | 5.90% | 5.31% | 7.24% | 4.75% | -64 bps | |
| Net Interest Margin | 4.21% | 4.38% | 4.73% | 4.46% | 4.55% | 4.69% | 4.73% | 4.77% | +30 bps | |
| Efficiency Ratio | 70.93% | 73.02% | 72.21% | 77.47% | 76.53% | 77.94% | 77.79% | 76.26% | -121 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.53% | 8.02% | 6.89% | 3.39% | -1.83% | -3.26% | -3.68% | -2.23% | -563 bps | |
| Loan Growth (YoY) | 9.39% | 5.50% | 4.44% | -0.21% | -1.96% | 0.47% | 1.96% | 4.60% | +481 bps | |
| Share Growth (YoY) | 7.99% | 7.48% | 5.79% | 3.23% | -2.71% | -4.03% | -3.68% | -2.92% | -615 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.47% | 1.47% | 1.18% | 3.64% | 4.30% | 3.15% | 2.59% | 1.86% | -178 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.64% | 10.87% | 10.96% | 11.20% | 11.49% | 11.87% | 11.97% | 12.26% | +106 bps | |
| Net Worth / Assets | 10.64% | 10.87% | 10.96% | 11.20% | 11.49% | 11.87% | 11.97% | 12.26% | +106 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 82.91% | 81.31% | 80.79% | 81.63% | 83.54% | 85.11% | 85.52% | 87.96% | +633 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |