Cleveland, TN · Charter 68124
NCUA · 2 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 | 0.12% | 0.34% | 0.52% | 0.19% | 0.31% | 0.37% | -0.63% | -0.26% | -45 bps | |
| Return on Equity | 1.66% | 4.42% | 7.11% | 2.59% | 4.17% | 5.08% | -9.09% | -3.57% | -615 bps | |
| Net Interest Margin | 3.67% | 3.95% | 3.77% | 3.58% | 3.70% | 3.87% | 4.04% | 4.23% | +65 bps | |
| Efficiency Ratio | 100.30% | 96.19% | 86.13% | 94.64% | 92.99% | 92.03% | 106.83% | 103.20% | +857 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.41% | 0.52% | 10.75% | 12.86% | 3.87% | 5.06% | 0.81% | -3.38% | -1,624 bps | |
| Loan Growth (YoY) | -3.57% | 7.11% | 14.32% | 17.04% | 14.08% | 5.02% | -0.87% | -3.45% | -2,048 bps | |
| Share Growth (YoY) | 4.47% | 0.17% | 10.13% | 12.73% | 3.96% | 4.90% | -3.18% | -3.77% | -1,649 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.02% | 0.05% | 0.22% | 0.02% | 0.02% | 0.12% | 0.26% | 0.00% | -1 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 | 0.18% | 0.09% | 0.12% | 0.09% | 0.09% | 0.09% | 0.09% | 0.12% | +3 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.16% | 7.61% | 7.27% | 7.20% | 7.35% | 7.29% | 6.97% | 7.28% | +8 bps | |
| Net Worth / Assets | 7.16% | 7.61% | 7.27% | 7.20% | 7.35% | 7.29% | 6.97% | 7.28% | +8 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 80.35% | 87.79% | 88.99% | 86.91% | 88.18% | 87.89% | 91.11% | 87.20% | +29 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |