Warner Robins, GA · Charter 14670
NCUA · 1 branch
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
56
Asset Quality
13
Profitability
68
Liquidity
49
Efficiency
92
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.
Warner Robins, GA · Charter 14670
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.49% | 1.51% | 1.59% | 1.53% | 1.60% | +11 bps | |
| Return on Equity | 11.68% | 11.71% | 11.90% | 11.46% | 11.83% | +15 bps | |
| Net Interest Margin | 3.53% | 3.51% | 3.54% | 3.34% | 3.35% | -18 bps | |
| Efficiency Ratio | 61.53% | 60.90% | 59.20% | 58.22% | 56.53% | -500 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.66% | 6.61% | 6.00% | 3.88% | 7.35% | +69 bps | |
| Loan Growth (YoY) | 3.16% | 0.88% | -1.95% | -4.62% | -5.57% | -874 bps | |
| Share Growth (YoY) | 5.86% | 5.79% | 4.94% | 2.39% | 6.47% | +61 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.85% | 1.98% | 1.99% | 2.02% | 2.17% | +132 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.76% | 12.86% | 13.38% | 13.38% | 13.51% | +74 bps | |
| Net Worth / Assets | 12.76% | 12.86% | 13.38% | 13.38% | 13.51% | +74 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 60.50% | 57.80% | 58.11% | 56.22% | 53.66% | -684 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Warner Robins, GA · Charter 14670 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
1.60%
Rank 201 of 1,683
Net Interest Margin
3.35%
Rank 1,247 of 1,683
Efficiency Ratio
56.53%
Rank 137 of 1,682
Equity / Assets
13.51%
Rank 744 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.60% | 0.35% | 0.74% | 1.18% | Beats 88% | 201 / 1,683 | |
| Return on Equity | 11.83% | 2.67% | 5.89% | 8.74% | Beats 91% | 151 / 1,681 | |
| Net Interest Margin | 3.35% | 3.31% | 3.82% | 4.32% | Beats 26% | 1,247 / 1,683 | |
| Efficiency Ratio | 56.53% | 68.91% | 78.20% | 86.93% | Beats 92% | 137 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 2.17% | 0.26% | 0.65% | 1.29% | Beats 13% | 1,471 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 13.51% | 10.44% | 12.89% | 16.53% | Beats 56% | 744 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 13.51% | 10.44% | 12.89% | 16.53% | Beats 56% | 744 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 53.66% | 52.61% | 69.38% | 83.50% | 26th pctl | 1,242 / 1,683 | |
| Loans / Assets | 46.34% | 44.71% | 59.18% | 70.72% | 28th pctl | 1,217 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||