Reynolds, GA · Charter 16085
NCUA · 2 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 under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
97
Asset Quality
100
Profitability
75
Liquidity
57
Efficiency
89
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.
Reynolds, GA · Charter 16085
NCUA · 2 branches
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 | 2.15% | 2.09% | 1.75% | 1.76% | 1.83% | -32 bps | |
| Return on Equity | 7.68% | 7.51% | 6.07% | 6.11% | 6.09% | -159 bps | |
| Net Interest Margin | 4.56% | 4.54% | 4.62% | 4.45% | 4.53% | -3 bps | |
| Efficiency Ratio | 53.31% | 53.72% | 62.07% | 62.53% | 60.97% | +766 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.39% | 1.41% | 1.97% | 1.05% | -1.54% | -393 bps | |
| Loan Growth (YoY) | 2.96% | 4.95% | 7.82% | 10.92% | -4.10% | -706 bps | |
| Share Growth (YoY) | 0.50% | -0.72% | 0.14% | -0.93% | -4.45% | -496 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.74% | 0.77% | 0.79% | 0.78% | 0.79% | +5 bps | |
| Capital | |||||||
| Risk-Based Capital | 27.98% | 27.87% | 28.79% | 28.86% | 30.01% | +203 bps | |
| Net Worth / Assets | 27.98% | 27.87% | 28.79% | 28.86% | 30.01% | +203 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 56.10% | 56.53% | 58.64% | 54.78% | 56.30% | +21 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Reynolds, GA · Charter 16085 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
1.81%
Rank 126 of 1,683
Net Interest Margin
4.53%
Rank 318 of 1,683
Efficiency Ratio
60.61%
Rank 193 of 1,682
Equity / Assets
30.01%
Rank 52 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.81% | 0.35% | 0.74% | 1.18% | Beats 93% | 126 / 1,683 | |
| Return on Equity | 6.03% | 2.67% | 5.89% | 8.74% | Beats 52% | 814 / 1,681 | |
| Net Interest Margin | 4.53% | 3.31% | 3.82% | 4.32% | Beats 81% | 318 / 1,683 | |
| Efficiency Ratio | 60.61% | 68.91% | 78.20% | 86.93% | Beats 89% | 193 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.26% | 0.65% | 1.29% | Beats 100% | 132 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 30.01% | 10.44% | 12.89% | 16.53% | Beats 97% | 52 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 30.01% | 10.44% | 12.89% | 16.53% | Beats 97% | 52 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 56.28% | 52.61% | 69.38% | 83.50% | 30th pctl | 1,179 / 1,683 | |
| Loans / Assets | 39.00% | 44.71% | 59.18% | 70.72% | 17th pctl | 1,391 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||