Valdosta, GA · Charter 13516
NCUA · 3 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |