Reynolds, GA · Charter 16085
NCUA · 2 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.15% | 1.99% | 2.17% | 2.15% | 2.09% | 1.75% | 1.76% | 1.83% | -32 bps | |
| Return on Equity | 8.16% | 7.23% | 7.89% | 7.68% | 7.51% | 6.07% | 6.11% | 6.09% | -159 bps | |
| Net Interest Margin | 4.74% | 4.85% | 4.43% | 4.56% | 4.54% | 4.62% | 4.45% | 4.53% | -3 bps | |
| Efficiency Ratio | 55.19% | 59.71% | 51.37% | 53.31% | 53.72% | 62.07% | 62.53% | 60.97% | +766 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.88% | -3.03% | 1.00% | 2.39% | 1.41% | 1.97% | 1.05% | -1.54% | -393 bps | |
| Loan Growth (YoY) | -1.74% | -3.87% | -12.96% | 2.96% | 4.95% | 7.82% | 10.92% | -4.10% | -706 bps | |
| Share Growth (YoY) | -6.40% | -6.77% | -1.33% | 0.50% | -0.72% | 0.14% | -0.93% | -4.45% | -496 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.24% | 0.00% | 0.00% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.79% | 0.78% | 0.84% | 0.74% | 0.77% | 0.79% | 0.78% | 0.79% | +5 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 26.35% | 27.58% | 27.52% | 27.98% | 27.87% | 28.79% | 28.86% | 30.01% | +203 bps | |
| Net Worth / Assets | 26.35% | 27.58% | 27.52% | 27.98% | 27.87% | 28.79% | 28.86% | 30.01% | +203 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 53.47% | 54.46% | 48.92% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |