Waycross, GA · Charter 15265
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 | 0.82% | 0.85% | 0.83% | 0.90% | 1.05% | +23 bps | |
| Return on Equity | 6.29% | 6.38% | 6.17% | 6.66% | 7.42% | +114 bps | |
| Net Interest Margin | 2.98% | 3.05% | 3.06% | 3.17% | 3.33% | +35 bps | |
| Efficiency Ratio | 74.13% | 73.79% | 74.17% | 73.60% | 70.54% | -358 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.43% | 0.47% | 0.65% | 1.99% | -0.95% | +248 bps | |
| Loan Growth (YoY) | -2.80% | -2.63% | -4.00% | 5.31% | 5.52% | +831 bps | |
| Share Growth (YoY) | -4.84% | -0.45% | -0.21% | 1.27% | -2.12% | +272 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.04% | 0.03% | 0.01% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.78% | 0.76% | 0.78% | 0.66% | 0.65% | -13 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.02% | 13.32% | 13.53% | 13.48% | 14.08% | +106 bps | |
| Net Worth / Assets | 13.02% | 13.32% | 13.53% | 13.48% | 14.08% | +106 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 79.49% | 81.13% | 78.20% | 82.45% | 85.69% | +620 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |