Knoxville, TN · Charter 68085
NCUA · 25 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 | 1.38% | 1.40% | 1.73% | 1.62% | 1.58% | 1.61% | 0.69% | 1.06% | -56 bps | |
| Return on Equity | 13.90% | 13.69% | 16.76% | 15.43% | 14.85% | 15.02% | 6.49% | 9.79% | -564 bps | |
| Net Interest Margin | 2.91% | 2.97% | 3.21% | 3.17% | 3.21% | 3.21% | 3.35% | 3.36% | +19 bps | |
| Efficiency Ratio | 58.63% | 58.26% | 53.54% | 55.40% | 54.25% | 53.30% | 52.52% | 52.86% | -254 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.75% | 7.46% | 5.93% | 6.68% | 8.17% | 11.17% | 10.19% | 9.85% | +317 bps | |
| Loan Growth (YoY) | 5.13% | 7.01% | 8.40% | 7.98% | 7.66% | 7.24% | 6.11% | 6.82% | -116 bps | |
| Share Growth (YoY) | 11.84% | 8.22% | 6.64% | 7.36% | 8.36% | 11.46% | 10.38% | 9.98% | +262 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.32% | 0.38% | 0.32% | 0.39% | 0.44% | 0.52% | 0.33% | 0.34% | -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 | 9.90% | 10.23% | 10.31% | 10.50% | 10.61% | 10.75% | 10.65% | 10.83% | +34 bps | |
| Net Worth / Assets | 9.90% | 10.23% | 10.31% | 10.50% | 10.61% | 10.75% | 10.65% | 10.83% | +34 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 95.88% | 97.90% | 96.88% | 96.79% | 95.26% | 94.19% | 93.13% | 94.01% | -278 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |