Kingsport, TN · Charter 68138
NCUA · 4 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 | 0.29% | 0.32% | 0.48% | 0.54% | 0.60% | 0.61% | 0.74% | 0.69% | +15 bps | |
| Return on Equity | 2.60% | 2.91% | 4.30% | 4.83% | 5.13% | 5.27% | 6.22% | 5.82% | +99 bps | |
| Net Interest Margin | 3.46% | 3.52% | 3.71% | 3.76% | 3.94% | 3.93% | 4.13% | 4.14% | +38 bps | |
| Efficiency Ratio | 93.95% | 93.31% | 90.32% | 89.21% | 88.62% | 88.52% | 86.49% | 87.31% | -190 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.35% | -0.36% | 0.93% | 0.82% | -0.94% | 0.63% | -1.60% | -0.99% | -181 bps | |
| Loan Growth (YoY) | -0.57% | -0.02% | 0.75% | -0.77% | 1.59% | 2.52% | 4.98% | 6.50% | +727 bps | |
| Share Growth (YoY) | 1.11% | 0.01% | 1.43% | 0.75% | -1.54% | 0.92% | -2.40% | -0.89% | -164 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.02% | 0.00% | 0.34% | 0.13% | 0.01% | 0.14% | 0.11% | -23 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.11% | 11.12% | 11.06% | 11.18% | 11.67% | 11.57% | 11.82% | 11.89% | +70 bps | |
| Net Worth / Assets | 11.11% | 11.12% | 11.06% | 11.18% | 11.67% | 11.57% | 11.82% | 11.89% | +70 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 76.96% | 76.81% | 75.03% | 74.68% | 79.41% | 78.02% | 80.70% | 80.25% | +557 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |