Jesup, GA · Charter 10262
NCUA · 3 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
60
Asset Quality
79
Profitability
47
Liquidity
62
Efficiency
24
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Jesup, GA · Charter 10262
NCUA · 3 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 | -0.07% | 0.10% | -0.06% | 0.23% | 0.19% | 0.26% | 0.47% | 0.43% | +20 bps | |
| Return on Equity | -0.48% | 0.71% | -0.40% | 1.58% | 1.30% | 1.86% | 3.32% | 3.04% | +146 bps | |
| Net Interest Margin | 4.22% | 4.21% | 4.27% | 4.49% | 4.57% | 4.54% | 4.49% | 4.63% | +14 bps | |
| Efficiency Ratio | 95.32% | 93.97% | 97.36% | 92.84% | 91.50% | 90.95% | 87.55% | 87.46% | -538 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.59% | 7.16% | 4.59% | 2.58% | 1.17% | 1.48% | 2.82% | 4.12% | +155 bps | |
| Loan Growth (YoY) | -1.02% | -0.31% | -0.71% | 2.50% | 0.69% | 3.49% | 1.57% | 1.08% | -142 bps | |
| Share Growth (YoY) | 2.72% | 8.38% | 5.77% | 2.59% | 0.29% | 0.35% | 2.16% | 3.99% | +140 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.22% | 1.09% | 0.78% | 0.88% | 1.18% | 0.97% | 0.35% | 0.22% | -66 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 | 14.21% | 14.12% | 14.02% | 14.27% | 14.32% | 14.17% | 14.01% | 14.05% | -21 bps | |
| Net Worth / Assets | 14.21% | 14.12% | 14.02% | 14.27% | 14.32% | 14.17% | 14.01% | 14.05% | -21 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 58.11% | 57.31% | 57.35% | 59.49% | 58.33% | 59.10% | 57.02% | 57.83% | -166 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Jesup, GA · Charter 10262 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
Return on Assets
0.43%
Rank 1,202 of 1,683
Net Interest Margin
4.63%
Rank 273 of 1,683
Efficiency Ratio
87.47%
Rank 1,283 of 1,682
Equity / Assets
14.05%
Rank 667 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.43% | 0.35% | 0.74% | 1.18% | Beats 29% | 1,202 / 1,683 | ||
| Return on Equity | 3.03% | 2.67% | 5.89% | 8.74% | Beats 28% | 1,208 / 1,681 | ||
| Net Interest Margin | 4.63% | 3.31% | 3.82% | 4.32% | Beats 84% | 273 / 1,683 | ||
| Efficiency Ratio | 87.47% | 68.91% | 78.20% | 86.93% | Beats 24% | 1,283 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.22% | 0.26% | 0.65% | 1.29% | Beats 79% | 359 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.05% | 10.44% | 12.89% | 16.53% | Beats 60% | 666 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 14.05% | 10.44% | 12.89% | 16.53% | Beats 60% | 667 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 57.83% | 52.61% | 69.38% | 83.50% | 32nd pctl | 1,150 / 1,683 | ||
| Loans / Assets | 48.67% | 44.71% | 59.18% | 70.72% | 31st pctl | 1,156 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||