Moultrie, GA · Charter 11996
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.86% | 1.84% | 1.90% | 1.88% | 1.71% | -15 bps | |
| Return on Equity | 7.93% | 7.90% | 7.85% | 7.93% | 7.25% | -68 bps | |
| Net Interest Margin | 5.26% | 5.20% | 5.31% | 4.91% | 4.85% | -40 bps | |
| Efficiency Ratio | 65.02% | 65.35% | 66.00% | 64.74% | 66.22% | +120 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.33% | -1.85% | 2.22% | 4.04% | 7.35% | +868 bps | |
| Loan Growth (YoY) | -3.47% | -6.97% | -5.99% | -10.05% | -15.35% | -1,188 bps | |
| Share Growth (YoY) | -3.96% | -4.61% | 0.69% | 2.71% | 6.99% | +1,095 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.39% | 0.41% | 0.41% | 0.42% | 0.37% | -3 bps | |
| Capital | |||||||
| Risk-Based Capital | 23.46% | 23.28% | 24.17% | 23.72% | 23.63% | +17 bps | |
| Net Worth / Assets | 23.46% | 23.28% | 24.17% | 23.72% | 23.63% | +17 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |