Franklin, TN · Charter 68599
NCUA · 12 branches
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 | -0.07% | 0.03% | 0.01% | 0.07% | 0.29% | +36 bps | |
| Return on Equity | -0.89% | 0.43% | 0.10% | 0.92% | 3.58% | +447 bps | |
| Net Interest Margin | 4.40% | 4.44% | 4.54% | 4.41% | 4.50% | +10 bps | |
| Efficiency Ratio | 92.54% | 91.77% | 91.09% | 92.40% | 88.43% | -411 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.41% | 1.94% | 1.40% | 1.84% | 0.54% | +96 bps | |
| Loan Growth (YoY) | -0.38% | 2.15% | 2.50% | 2.32% | -2.76% | -238 bps | |
| Share Growth (YoY) | -1.12% | 1.08% | 2.54% | 3.53% | 2.28% | +340 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.69% | 0.95% | 0.65% | 0.77% | 0.85% | +16 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 | 7.85% | 7.84% | 7.90% | 7.74% | 7.98% | +14 bps | |
| Net Worth / Assets | 7.85% | 7.84% | 7.90% | 7.74% | 7.98% | +14 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 91.24% | 91.59% | 89.43% | 86.57% | 86.75% | -449 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |