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Letter portraitLegal landscapeQuarterYTD

Shawnee TVA Employees

West Paducah, KY · Charter 9497

NCUA · 1 branch

Q2 2026

$6.6MAssets
$3.4MLoans
$5.1MShares
$1.5MNet Worth

Executive Summary

  • Earnings: ROA of 0.80%, down 114 bps year over year; NIM at 3.38%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 22.56%, down 69 bps from a year ago.
  • Funding: loans stand at 66.54% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.80%-114 bps YoY

Net Interest Margin (YTD, annualized)

3.38%-106 bps YoY

Efficiency Ratio (YTD, annualized)

78.03%+2,119 bps YoY

Net Worth / Assets

22.56%-69 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.48%1.92%2.24%1.94%1.74%1.52%1.07%0.80%-114 bps
Return on Equity6.63%8.27%9.60%8.34%7.55%6.88%4.69%3.55%-480 bps
Net Interest Margin3.89%4.38%4.62%4.44%4.04%3.81%3.60%3.38%-106 bps
Efficiency Ratio62.63%56.82%52.00%56.84%57.54%60.67%70.65%78.03%+2,119 bps
Growth
Asset Growth (YoY)-11.49%-11.46%-7.10%2.17%5.64%11.86%7.32%7.25%+508 bps
Loan Growth (YoY)5.51%-3.77%-2.27%2.38%5.44%6.35%4.72%-2.78%-516 bps
Share Growth (YoY)-15.35%-16.31%-11.36%-0.25%4.72%13.55%8.11%8.32%+857 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.04%0.04%0.04%0.04%0.04%0.13%0.09%0.09%+6 bps
Capital
Risk-Based Capital22.31%23.21%23.37%23.25%23.01%22.04%22.86%22.56%-69 bps
Net Worth / Assets22.31%23.21%23.37%23.25%23.01%22.04%22.86%22.56%-69 bps
Liquidity & Funding
Loans / Shares72.74%73.32%71.72%74.14%73.25%68.67%69.47%66.54%-760 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps