PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Holley

Paris, TN · Charter 68073

NCUA · 2 branches

Q2 2026

$105.3MAssets
$78.0MLoans
$89.2MShares
$14.6MNet 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 1.59%, up 10 bps year over year; NIM at 3.79%.
  • Asset quality: problem loans at 0.51% of loans (-5 bps YoY).
  • Capital: net worth / assets of 13.85%, up 59 bps from a year ago.
  • Funding: loans stand at 87.47% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.59%+10 bps YoY

Net Interest Margin (quarter, annualized)

3.79%+23 bps YoY

Efficiency Ratio (quarter, annualized)

57.42%-233 bps YoY

Net Worth / Assets

13.85%+59 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.49%1.64%1.55%1.69%1.59%+10 bps
Return on Equity11.21%11.99%11.28%12.13%11.49%+28 bps
Net Interest Margin3.56%3.75%3.75%3.86%3.79%+23 bps
Efficiency Ratio59.75%57.70%58.98%56.80%57.42%-233 bps
Growth
Asset Growth (YoY)7.30%6.61%7.93%6.39%8.06%+76 bps
Loan Growth (YoY)13.21%16.22%16.99%11.58%6.30%-691 bps
Share Growth (YoY)6.78%5.61%7.91%5.31%7.73%+95 bps
Asset Quality
Delinquent Loans / Loans0.56%0.75%0.68%0.52%0.51%-5 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 Capital13.26%13.69%13.76%13.89%13.85%+59 bps
Net Worth / Assets13.26%13.69%13.76%13.89%13.85%+59 bps
Liquidity & Funding
Loans / Shares88.64%90.92%89.50%89.13%87.47%-117 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps