Warner Robins, GA · Charter 14670
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 | 1.62% | 1.57% | 1.11% | 1.49% | 1.51% | 1.59% | 1.53% | 1.60% | +11 bps | |
| Return on Equity | 13.36% | 12.58% | 9.15% | 11.68% | 11.71% | 11.90% | 11.46% | 11.83% | +15 bps | |
| Net Interest Margin | 3.50% | 3.51% | 3.41% | 3.53% | 3.51% | 3.54% | 3.34% | 3.35% | -18 bps | |
| Efficiency Ratio | 58.40% | 59.73% | 70.18% | 61.53% | 60.90% | 59.20% | 58.22% | 56.53% | -500 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.39% | 5.17% | 8.09% | 6.66% | 6.61% | 6.00% | 3.88% | 7.35% | +69 bps | |
| Loan Growth (YoY) | 4.55% | 4.72% | 5.74% | 3.16% | 0.88% | -1.95% | -4.62% | -5.57% | -874 bps | |
| Share Growth (YoY) | 4.24% | 4.01% | 7.52% | 5.86% | 5.79% | 4.94% | 2.39% | 6.47% | +61 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.31% | 0.69% | 0.64% | 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 | 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 | 12.15% | 12.49% | 12.17% | 12.76% | 12.86% | 13.38% | 13.38% | 13.51% | +74 bps | |
| Net Worth / Assets | 12.15% | 12.49% | 12.17% | 12.76% | 12.86% | 13.38% | 13.38% | 13.51% | +74 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 60.61% | 62.20% | 60.35% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |