PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Altamaha

Jesup, GA · Charter 10262

NCUA · 3 branches

Q2 2026

$74.1MAssets
$36.1MLoans
$62.4MShares
$10.4MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.43%, up 20 bps year over year; NIM at 4.63%.
  • Asset quality: problem loans at 0.22% of loans (-66 bps YoY).
  • Capital: net worth / assets of 14.05%, down 21 bps from a year ago.
  • Funding: loans stand at 57.83% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.43%+20 bps YoY

Net Interest Margin (quarter, annualized)

4.63%+14 bps YoY

Efficiency Ratio (quarter, annualized)

87.46%-538 bps YoY

Net Worth / Assets

14.05%-21 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.23%0.19%0.26%0.47%0.43%+20 bps
Return on Equity1.58%1.30%1.86%3.32%3.04%+146 bps
Net Interest Margin4.49%4.57%4.54%4.49%4.63%+14 bps
Efficiency Ratio92.84%91.50%90.95%87.55%87.46%-538 bps
Growth
Asset Growth (YoY)2.58%1.17%1.48%2.82%4.12%+155 bps
Loan Growth (YoY)2.50%0.69%3.49%1.57%1.08%-142 bps
Share Growth (YoY)2.59%0.29%0.35%2.16%3.99%+140 bps
Asset Quality
Delinquent Loans / Loans0.88%1.18%0.97%0.35%0.22%-66 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital14.27%14.32%14.17%14.01%14.05%-21 bps
Net Worth / Assets14.27%14.32%14.17%14.01%14.05%-21 bps
Liquidity & Funding
Loans / Shares59.49%58.33%59.10%57.02%57.83%-166 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps