Kingsport, TN · Charter 68095
NCUA · 30 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 | 1.63% | 1.46% | 1.69% | 1.77% | 1.77% | 1.67% | 1.79% | 1.95% | +18 bps | |
| Return on Equity | 11.77% | 10.64% | 12.27% | 12.60% | 12.49% | 11.67% | 12.47% | 13.13% | +53 bps | |
| Net Interest Margin | 2.91% | 2.73% | 3.02% | 3.13% | 3.13% | 2.97% | 3.17% | 3.30% | +17 bps | |
| Efficiency Ratio | 49.37% | 51.05% | 49.35% | 47.05% | 45.86% | 46.75% | 46.72% | 44.20% | -285 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.62% | 13.47% | 11.41% | 10.33% | 9.20% | 8.90% | 8.00% | 6.91% | -342 bps | |
| Loan Growth (YoY) | 9.52% | 8.29% | 7.62% | 6.90% | 5.38% | 4.36% | 4.34% | 3.68% | -322 bps | |
| Share Growth (YoY) | 13.90% | 13.78% | 11.32% | 10.05% | 8.63% | 8.24% | 7.01% | 5.66% | -440 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.20% | 0.21% | 0.11% | 0.20% | 0.23% | 0.28% | 0.15% | 0.31% | +10 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 | 13.81% | 13.75% | 13.74% | 14.04% | 14.20% | 14.27% | 14.38% | 14.87% | +84 bps | |
| Net Worth / Assets | 13.81% | 13.75% | 13.74% | 14.04% | 14.20% | 14.27% | 14.38% | 14.87% | +84 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 97.05% | 96.66% | 94.10% | 95.00% | 94.14% | 93.20% | 91.75% | 93.22% | -177 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |