Nashville, GA · Charter 14011
NCUA · 1 branch
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 | 0.57% | 0.44% | -0.65% | 0.32% | -0.19% | 0.29% | 0.27% | 0.40% | +8 bps | |
| Return on Equity | 3.08% | 2.28% | -3.53% | 1.73% | -1.03% | 1.51% | 1.41% | 2.16% | +43 bps | |
| Net Interest Margin | 4.86% | 4.88% | 4.76% | 4.69% | 4.65% | 4.76% | 4.72% | 4.44% | -25 bps | |
| Efficiency Ratio | 88.77% | 91.39% | 97.31% | 84.85% | 98.50% | 84.18% | 94.58% | 91.40% | +656 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.23% | 1.63% | 2.96% | -0.38% | -2.39% | -1.73% | -3.94% | 0.79% | +117 bps | |
| Loan Growth (YoY) | -15.41% | -29.24% | -29.75% | -30.70% | -20.29% | -19.73% | -23.50% | -29.68% | +103 bps | |
| Share Growth (YoY) | 0.76% | 1.51% | 3.26% | -0.63% | -2.96% | -2.01% | -5.27% | 0.12% | +76 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.75% | 1.50% | 0.04% | 4.22% | 0.00% | 3.18% | 0.43% | 7.51% | +329 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 | 0.85% | 0.53% | 0.96% | 1.08% | 0.64% | 1.33% | 1.53% | 1.52% | +45 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 18.35% | 19.12% | 18.30% | 18.60% | 18.64% | 19.27% | 19.32% | 18.77% | +17 bps | |
| Net Worth / Assets | 18.35% | 19.12% | 18.30% | 18.60% | 18.64% | 19.27% | 19.32% | 18.77% | +17 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 78.14% | 73.20% | 65.30% | 60.04% | 64.18% | 59.97% | 52.74% | 42.17% | -1,787 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |