Clarksville, TN · Charter 9759
NCUA · 8 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.68% | 0.69% | 0.56% | 0.77% | 0.81% | 0.82% | 2.10% | 1.47% | +70 bps | |
| Return on Equity | 5.63% | 5.62% | 4.64% | 6.32% | 6.58% | 6.70% | 16.68% | 11.56% | +524 bps | |
| Net Interest Margin | 3.87% | 3.96% | 3.89% | 4.02% | 4.08% | 4.10% | 4.13% | 4.19% | +17 bps | |
| Efficiency Ratio | 77.39% | 77.22% | 80.25% | 77.87% | 76.75% | 75.97% | 61.52% | 66.76% | -1,112 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.27% | -0.33% | -0.25% | 2.24% | 3.37% | 6.32% | 4.87% | 4.77% | +253 bps | |
| Loan Growth (YoY) | 2.30% | 3.01% | 5.34% | 6.64% | 6.42% | 5.46% | 2.89% | 3.02% | -362 bps | |
| Share Growth (YoY) | 3.52% | 7.54% | 8.49% | 8.58% | 5.59% | 6.52% | 4.03% | 4.15% | -443 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.72% | 0.89% | 0.60% | 0.65% | 0.79% | 0.83% | 0.75% | 0.65% | +1 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 | 12.07% | 12.25% | 12.08% | 12.22% | 12.30% | 12.20% | 12.58% | 12.69% | +48 bps | |
| Net Worth / Assets | 12.07% | 12.25% | 12.08% | 12.22% | 12.30% | 12.20% | 12.58% | 12.69% | +48 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 92.66% | 91.65% | 89.40% | 90.94% | 93.39% | 90.74% | 88.42% | 89.95% | -99 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |