Jesup, GA · Charter 10262
NCUA · 3 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 | -0.07% | 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 | |