Nashville, TN · Charter 68135
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -3.87% | -2.79% | 8.19% | -4.35% | -10.18% | -631 bps | |
| Return on Equity | -61.02% | -53.65% | 49.86% | -26.32% | -75.98% | -1,496 bps | |
| Net Interest Margin | 3.35% | 3.37% | 2.76% | 1.21% | 2.46% | -89 bps | |
| Efficiency Ratio | 139.63% | 101.38% | 44.02% | 354% | 431% | +29,124 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.45% | -11.26% | 3.40% | 5.17% | 5.44% | +990 bps | |
| Loan Growth (YoY) | -21.03% | -13.43% | -12.01% | -5.27% | -9.46% | +1,157 bps | |
| Share Growth (YoY) | 0.15% | -6.93% | -8.10% | -6.06% | -2.97% | -312 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.21% | 3.04% | 4.52% | 6.37% | 6.02% | +581 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.05% | 6.56% | 7.11% | 7.06% | 3.83% | +78 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.34% | 5.20% | 16.43% | 16.53% | 13.40% | +706 bps | |
| Net Worth / Assets | 6.34% | 5.20% | 16.43% | 16.53% | 13.40% | +706 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 35.74% | 39.25% | 37.23% | 36.38% | 33.35% | -239 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |