Valdosta, GA · Charter 12290
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 in the Salt Lake City-Murray, UT area (n=23 to 24). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
42
Asset Quality
9
Profitability
46
Liquidity
63
Efficiency
42
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.
Valdosta, GA · Charter 12290
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 | 0.12% | 0.60% | 0.48% | 1.29% | 1.04% | 1.29% | -0.70% | 0.31% | -98 bps | |
| Return on Equity | 0.84% | 4.59% | 3.77% | 9.84% | 7.88% | 9.29% | -5.26% | 2.28% | -756 bps | |
| Net Interest Margin | 5.39% | 4.88% | 5.14% | 5.00% | 5.06% | 5.18% | 4.88% | 4.86% | -14 bps | |
| Efficiency Ratio | 81.28% | 80.19% | 80.22% | 79.41% | 78.44% | 75.70% | 87.25% | 80.98% | +158 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.38% | 7.57% | 9.12% | 10.69% | 16.38% | 2.94% | 3.04% | 3.50% | -719 bps | |
| Loan Growth (YoY) | 6.92% | 5.37% | 3.01% | -0.13% | 7.51% | 1.75% | -2.43% | -4.40% | -426 bps | |
| Share Growth (YoY) | -7.07% | 8.32% | 8.48% | 11.88% | 16.76% | 1.37% | 2.99% | 4.05% | -783 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.74% | 3.45% | 0.07% | 1.36% | 1.60% | 1.60% | 1.38% | 2.29% | +93 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 | 13.89% | 12.99% | 12.67% | 13.09% | 13.21% | 13.91% | 13.26% | 13.41% | +32 bps | |
| Net Worth / Assets | 13.89% | 12.99% | 12.67% | 13.09% | 13.21% | 13.91% | 13.26% | 13.41% | +32 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 60.46% | 56.55% | 53.92% | 54.89% | 55.67% | 56.76% | 51.08% | 50.43% | -446 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Valdosta, GA · Charter 12290 · Peer group: credit unions under $1B in assets in the Salt Lake City-Murray, UT area (n=23-24)
NCUA · 1 branch
Q2 2026
Return on Assets
0.30%
Rank 21 of 24
Net Interest Margin
4.86%
Rank 1 of 24
Efficiency Ratio
80.89%
Rank 15 of 24
Equity / Assets
13.41%
Rank 14 of 24
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.30% | 0.41% | 0.67% | 1.12% | Beats 13% | 21 / 24 | ||
| Return on Equity | 2.26% | 2.16% | 5.02% | 6.69% | Beats 29% | 17 / 24 | ||
| Net Interest Margin | 4.86% | 3.10% | 3.61% | 4.01% | Beats 96% | 1 / 24 | ||
| Efficiency Ratio | 80.89% | 71.14% | 80.00% | 84.92% | Beats 42% | 15 / 24 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.29% | 0.07% | 0.54% | 1.38% | Beats 9% | 22 / 23 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.41% | 10.05% | 16.75% | 21.42% | Beats 42% | 14 / 24 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 13.41% | 10.05% | 16.75% | 21.42% | Beats 42% | 14 / 24 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 50.43% | 42.86% | 62.34% | 82.18% | 35th pctl | 15 / 23 | ||
| Loans / Assets | 43.30% | 32.11% | 55.16% | 70.89% | 38th pctl | 15 / 24 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||