Clarksville, TN · Charter 68171
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 | 0.72% | -1.02% | -1.23% | 0.50% | 0.51% | -21 bps | |
| Return on Equity | 6.98% | -11.28% | -14.53% | 5.87% | 6.05% | -93 bps | |
| Net Interest Margin | 4.55% | 4.58% | 4.62% | 4.54% | 4.51% | -4 bps | |
| Efficiency Ratio | 84.94% | 85.58% | 85.95% | 88.44% | 88.02% | +308 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 13.39% | 3.08% | 7.73% | 1.47% | 5.30% | -809 bps | |
| Loan Growth (YoY) | 13.68% | 3.95% | 2.54% | 6.13% | -2.70% | -1,637 bps | |
| Share Growth (YoY) | 10.67% | 3.72% | 10.02% | 3.56% | 7.80% | -287 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.39% | 2.92% | 0.78% | 1.09% | 0.70% | -169 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.25% | 9.01% | 8.49% | 8.48% | 8.41% | -184 bps | |
| Net Worth / Assets | 10.25% | 9.01% | 8.49% | 8.48% | 8.41% | -184 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 75.02% | 78.49% | 75.91% | 73.48% | 67.71% | -731 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |