Cleveland, TN · Charter 68513
NCUA · 3 branches
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 | 0.53% | 0.17% | -0.14% | 0.15% | 0.00% | -0.30% | -1.61% | -1.69% | -184 bps | |
| Return on Equity | 5.04% | 1.63% | -1.49% | 1.61% | 0.05% | -3.18% | -17.78% | -18.06% | -1,967 bps | |
| Net Interest Margin | 5.35% | 5.39% | 4.46% | 4.44% | 4.55% | 4.60% | 3.96% | 4.77% | +33 bps | |
| Efficiency Ratio | 91.25% | 97.17% | 102.74% | 97.01% | 95.29% | 102.23% | 116.47% | 104.76% | +775 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.32% | -5.92% | 1.98% | 6.82% | 7.24% | 6.62% | 0.23% | -11.31% | -1,814 bps | |
| Loan Growth (YoY) | 15.21% | 9.87% | 9.37% | 3.03% | -2.47% | -1.80% | -1.05% | -6.32% | -935 bps | |
| Share Growth (YoY) | -4.02% | -6.39% | 2.45% | 8.09% | 8.35% | 7.94% | 0.90% | -11.37% | -1,946 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.30% | 1.57% | 0.04% | 0.54% | 0.93% | 3.11% | 1.70% | 1.03% | +48 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 | 1.82% | 0.90% | 0.82% | 0.90% | 1.02% | 1.15% | 1.22% | 2.98% | +208 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.54% | 10.50% | 9.75% | 9.42% | 9.61% | 9.55% | 9.06% | 9.36% | -5 bps | |
| Net Worth / Assets | 10.54% | 10.50% | 9.75% | 9.42% | 9.61% | 9.55% | 9.06% | 9.36% | -5 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 48.99% | 48.85% | 45.15% | 42.39% | 44.09% | 44.44% | 44.28% | 44.81% | +242 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |