Greeneville, TN · Charter 68144
NCUA · 2 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.68% | 1.77% | -1.19% | -1.13% | -0.93% | 0.13% | -2.23% | -0.78% | +36 bps | |
| Return on Equity | -1.98% | 5.06% | -3.46% | -3.39% | -2.77% | 0.36% | -6.55% | -2.15% | +124 bps | |
| Net Interest Margin | 3.44% | 3.47% | 3.66% | 3.63% | 3.32% | 3.69% | 3.95% | 3.96% | +34 bps | |
| Efficiency Ratio | 75.23% | 74.60% | 79.96% | 83.01% | 91.24% | 85.79% | 89.44% | 90.72% | +771 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.92% | 1.90% | 0.69% | -1.34% | 0.65% | -5.59% | 0.27% | -6.38% | -504 bps | |
| Loan Growth (YoY) | 0.27% | -3.14% | 1.86% | -0.07% | -1.85% | -2.28% | -4.91% | -2.06% | -199 bps | |
| Share Growth (YoY) | 2.64% | 0.43% | 0.31% | -1.84% | 2.27% | -8.65% | 0.67% | -9.91% | -807 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.40% | 1.36% | 0.36% | 2.72% | 2.51% | 0.82% | 4.00% | 3.55% | +83 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 | 1.37% | 2.04% | 2.73% | 3.31% | 3.43% | 2.73% | 3.79% | 3.47% | +16 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 34.53% | 34.97% | 34.34% | 33.43% | 33.46% | 37.17% | 34.11% | 36.06% | +263 bps | |
| Net Worth / Assets | 34.53% | 34.97% | 34.34% | 33.43% | 33.46% | 37.17% | 34.11% | 36.06% | +263 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 104.49% | 103.85% | 103.73% | 101.92% | 100.28% | 111.09% | 97.98% | 110.80% | +888 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |