PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Hardin County Hospital Employees

Savannah, TN · Charter 68120

NCUA · 1 branch

Q2 2026

$1.0MAssets
$517KLoans
$938KShares
$90KNet 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 0.32%, up 127 bps year over year; NIM at 2.76%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 8.67%, up 204 bps from a year ago.
  • Funding: loans stand at 55.13% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.32%+127 bps YoY

Net Interest Margin (quarter, annualized)

2.76%+139 bps YoY

Efficiency Ratio (quarter, annualized)

88.88%-6,612 bps YoY

Net Worth / Assets

8.67%+204 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.96%0.01%0.33%0.34%0.32%+127 bps
Return on Equity-14.42%0.08%3.61%3.97%3.66%+1,808 bps
Net Interest Margin1.37%2.16%2.84%2.89%2.76%+139 bps
Efficiency Ratio155.00%92.37%89.00%88.54%88.88%-6,612 bps
Growth
Asset Growth (YoY)14.74%12.83%-16.17%-15.74%-16.18%-3,092 bps
Loan Growth (YoY)-11.82%-5.15%-0.70%5.60%-11.35%+48 bps
Share Growth (YoY)16.09%13.72%-17.37%-16.99%-17.97%-3,406 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.73%2.73%2.94%3.16%3.40%+67 bps
Capital
Risk-Based Capital6.64%6.82%9.03%8.46%8.67%+204 bps
Net Worth / Assets6.64%6.82%9.03%8.46%8.67%+204 bps
Liquidity & Funding
Loans / Shares51.01%51.05%65.59%56.94%55.13%+412 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps