Columbus, GA · Charter 16096
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 | 2.81% | 2.97% | 2.89% | 2.64% | 2.65% | -17 bps | |
| Return on Equity | 8.14% | 8.28% | 7.86% | 7.10% | 6.82% | -132 bps | |
| Net Interest Margin | 4.14% | 4.18% | 4.12% | 3.69% | 3.79% | -35 bps | |
| Efficiency Ratio | 23.79% | 23.17% | 25.85% | 20.32% | 26.94% | +316 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.98% | -2.19% | 0.09% | -1.64% | -3.64% | -165 bps | |
| Loan Growth (YoY) | -4.50% | -3.89% | -3.52% | -4.55% | -2.06% | +244 bps | |
| Share Growth (YoY) | -10.22% | -11.13% | -7.96% | -7.03% | -6.46% | +377 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.72% | 2.10% | 1.50% | 1.53% | 1.66% | -6 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 34.56% | 35.92% | 36.83% | 37.15% | 38.85% | +429 bps | |
| Net Worth / Assets | 34.56% | 35.92% | 36.83% | 37.15% | 38.85% | +429 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 15.18% | 15.47% | 16.11% | 15.09% | 15.89% | +71 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |