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Letter portraitLegal landscapeQuarterYTD

TVA Community Credit Union

Muscle Shoals, AL · Charter 68559

NCUA · 10 branches

Q2 2026

$429.0MAssets
$173.0MLoans
$373.4MShares
$78.9MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.08%, down 3 bps year over year; NIM at 2.59%.
  • Asset quality: problem loans at 0.32% of loans (+7 bps YoY).
  • Capital: net worth / assets of 18.38%, up 35 bps from a year ago.
  • Funding: loans stand at 46.32% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.08%-3 bps YoY

Net Interest Margin (quarter, annualized)

2.59%-6 bps YoY

Efficiency Ratio (quarter, annualized)

60.82%-136 bps YoY

Net Worth / Assets

18.38%+35 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.11%1.21%1.21%0.99%1.08%-3 bps
Return on Equity6.16%6.53%6.60%5.42%5.87%-29 bps
Net Interest Margin2.65%2.75%2.74%2.55%2.59%-6 bps
Efficiency Ratio62.18%60.80%60.55%63.20%60.82%-136 bps
Growth
Asset Growth (YoY)2.43%1.09%4.51%4.54%4.86%+244 bps
Loan Growth (YoY)2.31%4.10%8.41%9.90%16.93%+1,462 bps
Share Growth (YoY)0.72%0.31%1.02%2.41%2.89%+217 bps
Asset Quality
Delinquent Loans / Loans0.25%0.35%0.28%0.29%0.32%+7 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital18.03%18.55%18.39%18.28%18.38%+35 bps
Net Worth / Assets18.03%18.55%18.39%18.28%18.38%+35 bps
Liquidity & Funding
Loans / Shares40.76%43.71%44.88%44.14%46.32%+556 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps