Tullahoma, TN · Charter 7397
NCUA · 31 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 | 0.87% | 0.91% | 1.01% | 1.07% | 1.13% | 1.15% | 1.25% | 1.20% | +13 bps | |
| Return on Equity | 6.26% | 6.46% | 7.27% | 7.56% | 7.84% | 7.93% | 8.61% | 8.26% | +69 bps | |
| Net Interest Margin | 2.59% | 2.65% | 2.75% | 2.88% | 2.93% | 2.97% | 3.24% | 3.21% | +33 bps | |
| Efficiency Ratio | 66.10% | 64.81% | 65.11% | 64.54% | 63.27% | 62.77% | 62.38% | 63.32% | -122 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.40% | 3.73% | 3.18% | 5.23% | 5.28% | 5.86% | 4.17% | 5.84% | +61 bps | |
| Loan Growth (YoY) | 6.85% | 6.25% | 6.52% | 8.32% | 8.17% | 7.12% | 6.52% | 5.24% | -308 bps | |
| Share Growth (YoY) | 1.34% | 4.27% | 2.81% | 5.28% | 4.96% | 4.83% | 4.39% | 6.59% | +131 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.39% | 0.43% | 0.35% | 0.53% | 0.49% | 0.52% | 0.42% | 0.49% | -4 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 | 13.98% | 14.13% | 13.93% | 14.15% | 14.34% | 14.47% | 14.55% | 14.55% | +40 bps | |
| Net Worth / Assets | 13.98% | 14.13% | 13.93% | 14.15% | 14.34% | 14.47% | 14.55% | 14.55% | +40 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 89.48% | 90.00% | 88.85% | 91.66% | 92.22% | 91.97% | 90.66% | 90.50% | -116 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |