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 | |