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 | |