Greeneville, TN · Charter 68126
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 | 1.19% | 1.28% | 1.26% | 1.01% | 0.88% | 1.00% | 1.22% | 1.21% | +20 bps | |
| Return on Equity | 2.37% | 2.55% | 2.50% | 1.95% | 1.68% | 1.90% | 2.35% | 2.32% | +37 bps | |
| Net Interest Margin | 5.68% | 5.59% | 6.02% | 5.93% | 5.92% | 5.90% | 6.06% | 5.91% | -2 bps | |
| Efficiency Ratio | 73.07% | 72.02% | 72.42% | 74.35% | 77.51% | 76.50% | 79.48% | 79.06% | +471 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.39% | 2.42% | 2.28% | -0.35% | -2.36% | -2.94% | -1.50% | 1.80% | +216 bps | |
| Loan Growth (YoY) | -8.96% | -5.67% | -5.84% | -7.30% | -6.98% | 2.27% | 10.83% | 5.20% | +1,250 bps | |
| Share Growth (YoY) | -0.69% | 1.46% | 3.71% | -1.08% | -5.27% | -6.27% | -5.02% | 1.37% | +245 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.63% | 3.58% | 3.38% | 3.54% | 0.62% | 0.00% | 0.00% | 0.00% | -354 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 | 1.75% | 2.12% | 1.89% | 2.19% | 0.40% | 0.28% | 0.33% | 0.51% | -168 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 50.22% | 50.25% | 50.35% | 51.99% | 52.51% | 52.77% | 52.08% | 52.15% | +17 bps | |
| Net Worth / Assets | 50.22% | 50.25% | 50.35% | 51.99% | 52.51% | 52.77% | 52.08% | 52.15% | +17 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 119.44% | 120.03% | 110.01% | 117.74% | 117.28% | 130.98% | 128.36% | 122.19% | +445 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |