PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Greeneville City Employees'

Greeneville, TN · Charter 68127

NCUA · 1 branch

Q2 2026

$13.9MAssets
$10.1MLoans
$9.7MShares
$4.1MNet 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 2.64%, up 75 bps year over year; NIM at 4.57%.
  • Asset quality: problem loans at 0.32% of loans (-14 bps YoY).
  • Capital: net worth / assets of 29.53%, up 101 bps from a year ago.
  • Funding: loans stand at 104.38% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

2.64%+75 bps YoY

Net Interest Margin (quarter, annualized)

4.57%+65 bps YoY

Efficiency Ratio (quarter, annualized)

42.17%-729 bps YoY

Net Worth / Assets

29.53%+101 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.89%2.03%2.14%2.34%2.64%+75 bps
Return on Equity6.63%7.11%7.35%8.06%8.95%+232 bps
Net Interest Margin3.92%3.98%4.08%4.45%4.57%+65 bps
Efficiency Ratio49.46%47.50%46.77%44.64%42.17%-729 bps
Growth
Asset Growth (YoY)7.79%9.65%6.96%7.13%5.52%-228 bps
Loan Growth (YoY)2.92%9.96%12.56%16.92%12.93%+1,000 bps
Share Growth (YoY)8.02%10.49%6.50%6.49%4.01%-402 bps
Asset Quality
Delinquent Loans / Loans0.46%0.23%0.20%0.20%0.32%-14 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital28.53%28.62%29.08%29.06%29.53%+101 bps
Net Worth / Assets28.53%28.62%29.08%29.06%29.53%+101 bps
Liquidity & Funding
Loans / Shares96.14%100.44%102.94%105.54%104.38%+824 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps