Athens, TN · Charter 68161
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 | 0.25% | 0.09% | 0.67% | 0.54% | 0.64% | 0.18% | -4.36% | -4.96% | -550 bps | |
| Return on Equity | 0.82% | 0.31% | 2.14% | 1.66% | 2.30% | 0.65% | -16.11% | -19.68% | -2,134 bps | |
| Net Interest Margin | 3.57% | 3.48% | 3.58% | 3.62% | 3.84% | 3.41% | 3.90% | 3.97% | +35 bps | |
| Efficiency Ratio | 87.90% | 93.44% | 81.48% | 85.29% | 83.65% | 94.91% | 89.26% | 80.67% | -462 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.70% | -3.91% | -3.18% | -2.44% | -11.43% | -12.05% | -11.58% | -6.93% | -449 bps | |
| Loan Growth (YoY) | -14.90% | -9.89% | -11.98% | -12.45% | -6.50% | -9.73% | -10.34% | -3.18% | +927 bps | |
| Share Growth (YoY) | -18.17% | -12.81% | -12.79% | -12.10% | -8.09% | -8.50% | -6.09% | 3.44% | +1,554 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.29% | 1.66% | 1.48% | 1.66% | 3.23% | 2.67% | 1.72% | 8.45% | +680 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 | 1.24% | 1.19% | 1.23% | 1.31% | 1.32% | 1.42% | 1.49% | 3.51% | +220 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 30.07% | 29.59% | 31.29% | 32.50% | 27.64% | 26.90% | 27.06% | 25.21% | -729 bps | |
| Net Worth / Assets | 30.07% | 29.59% | 31.29% | 32.50% | 27.64% | 26.90% | 27.06% | 25.21% | -729 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 116.59% | 116.92% | 122.65% | 120.92% | 118.61% | 115.35% | 117.10% | 113.17% | -775 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |