Moultrie, GA · Charter 11996
NCUA · 1 branch
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
93
Asset Quality
84
Profitability
81
Liquidity
93
Efficiency
80
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.
Moultrie, GA · Charter 11996
NCUA · 1 branch
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 | 1.62% | 2.02% | 1.80% | 1.86% | 1.84% | 1.90% | 1.88% | 1.71% | -15 bps | |
| Return on Equity | 7.72% | 8.78% | 7.90% | 7.93% | 7.90% | 7.85% | 7.93% | 7.25% | -68 bps | |
| Net Interest Margin | 4.77% | 5.37% | 5.43% | 5.26% | 5.20% | 5.31% | 4.91% | 4.85% | -40 bps | |
| Efficiency Ratio | 66.87% | 62.13% | 66.60% | 65.02% | 65.35% | 66.00% | 64.74% | 66.22% | +120 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.27% | -0.49% | -0.74% | -1.33% | -1.85% | 2.22% | 4.04% | 7.35% | +868 bps | |
| Loan Growth (YoY) | -4.13% | -9.28% | -6.14% | -3.47% | -6.97% | -5.99% | -10.05% | -15.35% | -1,188 bps | |
| Share Growth (YoY) | 0.69% | -3.27% | -3.23% | -3.96% | -4.61% | 0.69% | 2.71% | 6.99% | +1,095 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.21% | 0.62% | 0.12% | 0.05% | 0.74% | 1.15% | 0.43% | 0.12% | +7 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 | 0.32% | 0.38% | 0.39% | 0.39% | 0.41% | 0.41% | 0.42% | 0.37% | -3 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 21.05% | 23.03% | 22.74% | 23.46% | 23.28% | 24.17% | 23.72% | 23.63% | +17 bps | |
| Net Worth / Assets | 21.05% | 23.03% | 22.74% | 23.46% | 23.28% | 24.17% | 23.72% | 23.63% | +17 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 87.94% | 89.49% | 86.29% | 89.63% | 85.76% | 83.56% | 75.58% | 70.92% | -1,871 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Moultrie, GA · Charter 11996 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
1.71%
Rank 162 of 1,683
Net Interest Margin
4.85%
Rank 186 of 1,683
Efficiency Ratio
66.18%
Rank 332 of 1,682
Equity / Assets
23.63%
Rank 122 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.71% | 0.35% | 0.74% | 1.18% | Beats 90% | 162 / 1,683 | ||
| Return on Equity | 7.25% | 2.67% | 5.89% | 8.74% | Beats 63% | 614 / 1,681 | ||
| Net Interest Margin | 4.85% | 3.31% | 3.82% | 4.32% | Beats 89% | 186 / 1,683 | ||
| Efficiency Ratio | 66.18% | 68.91% | 78.20% | 86.93% | Beats 80% | 332 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.13% | 0.26% | 0.65% | 1.29% | Beats 84% | 262 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 23.63% | 10.44% | 12.89% | 16.53% | Beats 93% | 122 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 23.63% | 10.44% | 12.89% | 16.53% | Beats 93% | 122 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 70.92% | 52.61% | 69.38% | 83.50% | 53rd pctl | 794 / 1,683 | ||
| Loans / Assets | 54.00% | 44.71% | 59.18% | 70.72% | 41st pctl | 996 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||