Marietta, GA · Charter 13704
NCUA · 2 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 | 0.15% | 0.13% | 0.18% | 0.16% | 0.15% | 0.12% | -0.33% | -0.19% | -35 bps | |
| Return on Equity | 1.47% | 1.26% | 1.83% | 1.51% | 1.45% | 1.09% | -3.24% | -1.89% | -339 bps | |
| Net Interest Margin | 4.06% | 3.99% | 4.08% | 4.17% | 4.25% | 4.21% | 3.84% | 4.03% | -14 bps | |
| Efficiency Ratio | 93.23% | 94.49% | 92.02% | 93.79% | 94.82% | 96.03% | 107.11% | 103.82% | +1,002 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.21% | -1.37% | 1.26% | 0.32% | -2.72% | -3.41% | -2.86% | -0.82% | -114 bps | |
| Loan Growth (YoY) | 4.42% | 3.74% | -0.45% | -0.74% | -4.71% | -6.38% | -1.49% | -3.19% | -245 bps | |
| Share Growth (YoY) | -0.04% | -1.17% | 1.29% | 0.30% | -2.91% | -4.29% | -2.98% | -0.91% | -121 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.97% | 1.14% | 0.56% | 0.34% | 0.39% | 0.64% | 0.87% | 1.31% | +97 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 | 10.18% | 10.04% | 9.97% | 10.30% | 10.60% | 10.51% | 10.25% | 10.32% | +2 bps | |
| Net Worth / Assets | 10.18% | 10.04% | 9.97% | 10.30% | 10.60% | 10.51% | 10.25% | 10.32% | +2 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 69.78% | 68.27% | 65.33% | 68.46% | 68.49% | 66.78% | 66.33% | 66.89% | -157 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |