Paris, TN · Charter 68073
NCUA · 2 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.24% | 1.24% | 1.38% | 1.49% | 1.64% | 1.55% | 1.69% | 1.59% | +10 bps | |
| Return on Equity | 9.56% | 9.37% | 10.56% | 11.21% | 11.99% | 11.28% | 12.13% | 11.49% | +28 bps | |
| Net Interest Margin | 3.14% | 3.19% | 3.42% | 3.56% | 3.75% | 3.75% | 3.86% | 3.79% | +23 bps | |
| Efficiency Ratio | 61.68% | 62.37% | 61.14% | 59.75% | 57.70% | 58.98% | 56.80% | 57.42% | -233 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.99% | 8.22% | 8.59% | 7.30% | 6.61% | 7.93% | 6.39% | 8.06% | +76 bps | |
| Loan Growth (YoY) | -0.60% | 0.48% | 6.23% | 13.21% | 16.22% | 16.99% | 11.58% | 6.30% | -691 bps | |
| Share Growth (YoY) | 7.72% | 7.50% | 8.78% | 6.78% | 5.61% | 7.91% | 5.31% | 7.73% | +95 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.43% | 0.39% | 0.52% | 0.56% | 0.75% | 0.68% | 0.52% | 0.51% | -5 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 | 12.97% | 13.18% | 13.06% | 13.26% | 13.69% | 13.76% | 13.89% | 13.85% | +59 bps | |
| Net Worth / Assets | 12.97% | 13.18% | 13.06% | 13.26% | 13.69% | 13.76% | 13.89% | 13.85% | +59 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 82.63% | 82.55% | 84.12% | 88.64% | 90.92% | 89.50% | 89.13% | 87.47% | -117 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |