Lawrenceville, GA · Charter 14676
NCUA · 30 branches
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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
11
Asset Quality
88
Profitability
60
Liquidity
43
Efficiency
22
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.
Lawrenceville, GA · Charter 14676
NCUA · 30 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 | 0.78% | 0.73% | 0.84% | 0.78% | 0.83% | 0.84% | 0.77% | 0.80% | +2 bps | |
| Return on Equity | 9.33% | 8.66% | 10.12% | 9.30% | 9.52% | 9.44% | 8.68% | 8.89% | -41 bps | |
| Net Interest Margin | 3.08% | 3.05% | 3.16% | 3.27% | 3.35% | 3.39% | 3.54% | 3.59% | +32 bps | |
| Efficiency Ratio | 77.26% | 78.56% | 79.49% | 79.78% | 79.29% | 79.38% | 79.22% | 78.63% | -115 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.72% | 8.58% | 16.18% | 16.64% | 6.11% | 4.59% | 2.48% | 2.72% | -1,393 bps | |
| Loan Growth (YoY) | -11.54% | -9.70% | 13.50% | 15.92% | 9.86% | 11.00% | 8.30% | 7.28% | -863 bps | |
| Share Growth (YoY) | 17.08% | 17.39% | 17.19% | 17.23% | 5.84% | 3.91% | 2.14% | 2.00% | -1,523 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.42% | 0.44% | 0.37% | 0.44% | 0.43% | 0.46% | 0.35% | 0.32% | -11 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 | 8.39% | 8.39% | 8.29% | 8.44% | 8.67% | 8.85% | 8.90% | 9.05% | +61 bps | |
| Net Worth / Assets | 8.39% | 8.39% | 8.29% | 8.44% | 8.67% | 8.85% | 8.90% | 9.05% | +61 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 71.52% | 70.29% | 69.58% | 71.24% | 74.24% | 75.08% | 73.78% | 74.93% | +369 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Lawrenceville, GA · Charter 14676 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 30 branches
Q2 2026
Return on Assets
0.80%
Rank 221 of 435
Net Interest Margin
3.59%
Rank 156 of 435
Efficiency Ratio
78.63%
Rank 341 of 435
Equity / Assets
9.05%
Rank 387 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.80% | 0.55% | 0.81% | 1.14% | Beats 49% | 221 / 435 | ||
| Return on Equity | 8.89% | 5.12% | 7.41% | 9.70% | Beats 67% | 143 / 435 | ||
| Net Interest Margin | 3.59% | 3.01% | 3.39% | 3.75% | Beats 64% | 156 / 435 | ||
| Efficiency Ratio | 78.63% | 65.25% | 71.39% | 77.86% | Beats 22% | 341 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.32% | 0.45% | 0.69% | 1.05% | Beats 88% | 55 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.05% | 9.81% | 10.84% | 12.63% | Beats 11% | 387 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.05% | 9.81% | 10.84% | 12.63% | Beats 11% | 387 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 74.93% | 78.33% | 88.38% | 95.61% | 20th pctl | 350 / 435 | ||
| Loans / Assets | 67.44% | 67.69% | 74.58% | 80.80% | 23rd pctl | 333 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||