PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Eastman

Kingsport, TN · Charter 68095

NCUA · 30 branches

Q2 2026

$10.2BAssets
$8.0BLoans
$8.6BShares
$1.5BNet 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 1.95%, up 18 bps year over year; NIM at 3.30%.
  • Asset quality: problem loans at 0.31% of loans (+10 bps YoY).
  • Capital: net worth / assets of 14.87%, up 84 bps from a year ago.
  • Funding: loans stand at 93.22% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.95%+18 bps YoY

Net Interest Margin (YTD, annualized)

3.30%+17 bps YoY

Efficiency Ratio (YTD, annualized)

44.20%-285 bps YoY

Net Worth / Assets

14.87%+84 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.77%1.77%1.67%1.79%1.95%+18 bps
Return on Equity12.60%12.49%11.67%12.47%13.13%+53 bps
Net Interest Margin3.13%3.13%2.97%3.17%3.30%+17 bps
Efficiency Ratio47.05%45.86%46.75%46.72%44.20%-285 bps
Growth
Asset Growth (YoY)10.33%9.20%8.90%8.00%6.91%-342 bps
Loan Growth (YoY)6.90%5.38%4.36%4.34%3.68%-322 bps
Share Growth (YoY)10.05%8.63%8.24%7.01%5.66%-440 bps
Asset Quality
Delinquent Loans / Loans0.20%0.23%0.28%0.15%0.31%+10 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 Capital14.04%14.20%14.27%14.38%14.87%+84 bps
Net Worth / Assets14.04%14.20%14.27%14.38%14.87%+84 bps
Liquidity & Funding
Loans / Shares95.00%94.14%93.20%91.75%93.22%-177 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps