Valdosta, GA · Charter 13516
NCUA · 3 branches
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
1
Asset Quality
24
Profitability
38
Liquidity
83
Efficiency
13
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 13516
NCUA · 3 branches
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 | 0.02% | 0.03% | 0.31% | 0.68% | 0.39% | -2.50% | 0.23% | 0.24% | -44 bps | |
| Return on Equity | 0.23% | 0.31% | 3.51% | 7.18% | 4.13% | -35.05% | 3.28% | 3.37% | -381 bps | |
| Net Interest Margin | 4.40% | 4.02% | 3.43% | 3.88% | 4.03% | 4.40% | 4.19% | 4.11% | +23 bps | |
| Efficiency Ratio | 88.33% | 90.95% | 92.27% | 84.83% | 91.44% | 125.89% | 95.13% | 93.54% | +870 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -13.83% | 1.45% | 2.72% | 0.40% | 5.60% | -6.52% | -7.08% | -3.03% | -343 bps | |
| Loan Growth (YoY) | -11.13% | -11.61% | -7.56% | -5.55% | -4.24% | 1.93% | -2.30% | -2.36% | +319 bps | |
| Share Growth (YoY) | -3.97% | 3.67% | 2.65% | -0.08% | 2.76% | -4.67% | -5.12% | -0.36% | -29 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.12% | 0.00% | 0.00% | 0.02% | 0.00% | 0.10% | 1.34% | 1.35% | +133 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 | 0.76% | 0.49% | 0.05% | -0.02% | -0.37% | 1.47% | 1.52% | 1.61% | +162 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.72% | 8.99% | 8.95% | 9.45% | 9.52% | 7.12% | 7.13% | 7.08% | -238 bps | |
| Net Worth / Assets | 9.72% | 8.99% | 8.95% | 9.45% | 9.52% | 7.12% | 7.13% | 7.08% | -238 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.00% | 62.19% | 63.90% | 65.52% | 65.23% | 66.50% | 65.80% | 64.20% | -131 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 13516 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
Return on Assets
0.22%
Rank 1,368 of 1,683
Net Interest Margin
4.11%
Rank 587 of 1,683
Efficiency Ratio
93.33%
Rank 1,470 of 1,682
Equity / Assets
7.09%
Rank 1,662 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.22% | 0.35% | 0.74% | 1.18% | Beats 19% | 1,368 / 1,683 | ||
| Return on Equity | 3.15% | 2.67% | 5.89% | 8.74% | Beats 29% | 1,195 / 1,681 | ||
| Net Interest Margin | 4.11% | 3.31% | 3.82% | 4.32% | Beats 65% | 587 / 1,683 | ||
| Efficiency Ratio | 93.33% | 68.91% | 78.20% | 86.93% | Beats 13% | 1,470 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.35% | 0.26% | 0.65% | 1.29% | Beats 24% | 1,285 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 7.09% | 10.44% | 12.89% | 16.53% | Beats 1% | 1,662 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 7.09% | 10.44% | 12.89% | 16.53% | Beats 1% | 1,662 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 64.21% | 52.61% | 69.38% | 83.50% | 41st pctl | 993 / 1,683 | ||
| Loans / Assets | 59.62% | 44.71% | 59.18% | 70.72% | 51st pctl | 827 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||