Douglas, GA · Charter 16014
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 | 1.37% | 1.96% | 1.72% | -0.71% | -2.63% | -400 bps | |
| Return on Equity | 6.99% | 9.56% | 8.02% | -3.31% | -13.26% | -2,025 bps | |
| Net Interest Margin | 6.87% | 6.77% | 6.71% | 5.46% | 5.51% | -137 bps | |
| Efficiency Ratio | 82.95% | 83.55% | 93.42% | 105.89% | 109.72% | +2,677 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.90% | 0.40% | -3.41% | -9.87% | -2.61% | -171 bps | |
| Loan Growth (YoY) | -16.92% | -23.34% | -21.71% | -17.82% | -6.79% | +1,013 bps | |
| Share Growth (YoY) | -2.37% | -1.40% | -6.24% | -13.29% | -2.73% | -36 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.10% | 1.17% | 2.81% | 3.01% | 3.44% | +334 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.27% | 2.67% | 1.64% | 1.40% | 2.76% | -50 bps | |
| Capital | |||||||
| Risk-Based Capital | 19.63% | 20.50% | 21.44% | 21.48% | 19.84% | +20 bps | |
| Net Worth / Assets | 19.63% | 20.50% | 21.44% | 21.48% | 19.84% | +20 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 82.46% | 79.36% | 80.32% | 76.62% | 79.02% | -344 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |