Clarksville, TN · Charter 68171
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 | 0.57% | 0.69% | 0.62% | 0.72% | -1.02% | -1.23% | 0.50% | 0.51% | -21 bps | |
| Return on Equity | 5.76% | 6.56% | 6.30% | 6.98% | -11.28% | -14.53% | 5.87% | 6.05% | -93 bps | |
| Net Interest Margin | 4.33% | 4.62% | 4.44% | 4.55% | 4.58% | 4.62% | 4.54% | 4.51% | -4 bps | |
| Efficiency Ratio | 85.09% | 83.77% | 85.44% | 84.94% | 85.58% | 85.95% | 88.44% | 88.02% | +308 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.25% | 6.88% | 9.86% | 13.39% | 3.08% | 7.73% | 1.47% | 5.30% | -809 bps | |
| Loan Growth (YoY) | 11.88% | 13.34% | 10.67% | 13.68% | 3.95% | 2.54% | 6.13% | -2.70% | -1,637 bps | |
| Share Growth (YoY) | 10.71% | 3.79% | 6.78% | 10.67% | 3.72% | 10.02% | 3.56% | 7.80% | -287 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.11% | 2.99% | 3.31% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.90% | 10.53% | 9.92% | 10.25% | 9.01% | 8.49% | 8.48% | 8.41% | -184 bps | |
| Net Worth / Assets | 9.90% | 10.53% | 9.92% | 10.25% | 9.01% | 8.49% | 8.48% | 8.41% | -184 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 78.33% | 81.44% | 71.70% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |