Elizabethton, TN · Charter 68097
NCUA · 1 branch
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 | 1.34% | 1.06% | 0.05% | 0.36% | 0.17% | 0.42% | 1.02% | 1.09% | +73 bps | |
| Return on Equity | 7.69% | 6.11% | 0.30% | 2.03% | 0.96% | 2.35% | 5.62% | 5.96% | +393 bps | |
| Net Interest Margin | 2.95% | 3.03% | 3.06% | 3.20% | 3.22% | 3.28% | 3.45% | 3.52% | +32 bps | |
| Efficiency Ratio | 53.18% | 67.94% | 98.68% | 89.28% | 93.87% | 88.08% | 73.71% | 70.67% | -1,861 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.04% | -1.09% | -0.34% | -2.83% | -2.53% | -0.79% | -1.02% | 1.64% | +447 bps | |
| Loan Growth (YoY) | -4.00% | -3.76% | -2.23% | -4.47% | 1.36% | 5.60% | 3.18% | 6.37% | +1,084 bps | |
| Share Growth (YoY) | -3.80% | -1.80% | -1.07% | -3.79% | -2.97% | -3.07% | -3.02% | 1.40% | +518 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.50% | 0.15% | 0.36% | 0.10% | 0.32% | 0.31% | 0.61% | 0.82% | +72 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 | 17.43% | 17.31% | 17.36% | 17.75% | 17.90% | 17.87% | 18.21% | 18.25% | +50 bps | |
| Net Worth / Assets | 17.43% | 17.31% | 17.36% | 17.75% | 17.90% | 17.87% | 18.21% | 18.25% | +50 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 30.31% | 29.47% | 29.76% | 29.84% | 31.66% | 32.10% | 31.66% | 31.30% | +146 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |