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 | |