Chattanooga, TN · Charter 68173
NCUA · 2 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.72% | 0.75% | 0.42% | 0.50% | 0.60% | 0.58% | 0.58% | 0.47% | -3 bps | |
| Return on Equity | 4.59% | 4.76% | 2.70% | 3.26% | 3.76% | 3.73% | 3.71% | 3.17% | -10 bps | |
| Net Interest Margin | 4.27% | 4.23% | 4.08% | 4.13% | 4.31% | 4.23% | 4.04% | 3.96% | -17 bps | |
| Efficiency Ratio | 86.86% | 86.37% | 91.80% | 90.32% | 89.01% | 88.94% | 89.05% | 90.85% | +53 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.84% | -0.21% | 3.47% | 3.70% | 3.57% | 4.41% | 3.21% | 6.43% | +272 bps | |
| Loan Growth (YoY) | -9.27% | -9.07% | -7.29% | 1.08% | 3.99% | 2.01% | -0.31% | -3.96% | -504 bps | |
| Share Growth (YoY) | -2.96% | -0.99% | 3.59% | 3.91% | 3.61% | 4.51% | 3.23% | 7.20% | +329 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.28% | 0.26% | 0.43% | 0.00% | 0.13% | 0.40% | 0.34% | 0.03% | +2 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 | 15.73% | 15.72% | 15.38% | 15.38% | 15.86% | 15.64% | 15.52% | 15.01% | -38 bps | |
| Net Worth / Assets | 15.73% | 15.72% | 15.38% | 15.38% | 15.86% | 15.64% | 15.52% | 15.01% | -38 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 75.43% | 72.28% | 69.59% | 72.39% | 75.70% | 70.55% | 67.20% | 64.85% | -754 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |