Cordova, TN · Charter 68165
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.25% | 1.00% | 0.72% | 0.57% | 0.97% | -28 bps | |
| Return on Equity | 9.55% | 7.32% | 4.91% | 3.73% | 6.45% | -310 bps | |
| Net Interest Margin | 3.48% | 3.40% | 3.44% | 3.90% | 3.83% | +35 bps | |
| Efficiency Ratio | 62.86% | 69.02% | 76.71% | 83.67% | 73.70% | +1,084 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.04% | -0.10% | -2.51% | -10.01% | -11.73% | -969 bps | |
| Loan Growth (YoY) | -11.60% | 1.93% | 6.72% | 58.16% | 50.79% | +6,239 bps | |
| Share Growth (YoY) | -3.89% | -1.73% | -3.80% | -12.62% | -13.82% | -994 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.54% | 3.79% | 2.99% | 0.00% | 1.36% | +83 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 6.97% | 6.27% | 7.08% | 5.02% | 5.10% | -187 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.11% | 13.67% | 14.75% | 15.31% | 15.03% | +192 bps | |
| Net Worth / Assets | 13.11% | 13.67% | 14.75% | 15.31% | 15.03% | +192 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 20.68% | 24.65% | 24.51% | 36.80% | 36.19% | +1,551 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |