Hermitage, TN · Charter 8922
NCUA · 3 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 | 0.28% | 0.37% | 0.36% | 0.15% | 0.32% | +4 bps | |
| Return on Equity | 2.48% | 3.34% | 3.21% | 1.37% | 2.92% | +44 bps | |
| Net Interest Margin | 3.28% | 3.25% | 3.20% | 2.86% | 3.00% | -28 bps | |
| Efficiency Ratio | 82.16% | 80.37% | 81.47% | 89.67% | 84.94% | +277 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 13.09% | 14.84% | 4.31% | 4.61% | 7.90% | -519 bps | |
| Loan Growth (YoY) | 5.53% | 2.81% | -6.13% | -6.32% | -4.60% | -1,013 bps | |
| Share Growth (YoY) | 13.01% | 14.69% | 4.75% | 4.60% | 8.26% | -475 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.76% | 0.68% | 0.55% | 0.08% | 0.50% | -26 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 | 11.43% | 11.18% | 11.10% | 11.06% | 10.96% | -47 bps | |
| Net Worth / Assets | 11.43% | 11.18% | 11.10% | 11.06% | 10.96% | -47 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 61.17% | 58.08% | 55.71% | 55.04% | 53.91% | -727 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |