Martin, TN · Charter 68153
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 | 0.93% | 0.89% | 0.73% | 0.82% | 0.88% | 0.84% | 1.03% | 0.97% | +15 bps | |
| Return on Equity | 4.72% | 4.35% | 3.51% | 3.79% | 4.12% | 3.91% | 4.79% | 4.45% | +66 bps | |
| Net Interest Margin | 2.97% | 2.99% | 3.80% | 3.64% | 3.30% | 3.25% | 3.31% | 3.28% | -36 bps | |
| Efficiency Ratio | 66.80% | 67.91% | 80.01% | 76.38% | 73.34% | 73.67% | 67.47% | 69.13% | -725 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.78% | -8.76% | -6.20% | -5.19% | -3.28% | -1.02% | 0.82% | 3.90% | +909 bps | |
| Loan Growth (YoY) | -24.95% | -12.51% | -11.88% | -6.54% | 1.65% | -1.57% | -5.93% | 1.22% | +776 bps | |
| Share Growth (YoY) | -12.86% | -11.88% | -8.34% | -7.36% | -5.20% | -2.24% | -0.69% | 3.61% | +1,097 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 1.98% | 2.00% | 2.15% | 2.10% | 2.06% | 2.12% | 2.39% | 2.18% | +7 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.80% | 20.46% | 20.78% | 21.69% | 21.31% | 21.51% | 21.52% | 21.80% | +11 bps | |
| Net Worth / Assets | 19.80% | 20.46% | 20.78% | 21.69% | 21.31% | 21.51% | 21.52% | 21.80% | +11 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 72.94% | 76.58% | 72.22% | 78.19% | 78.21% | 77.10% | 68.40% | 76.38% | -181 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |