Atlanta, GA · Charter 17017
NCUA · 2 branches
Q4 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2025, the quarter ended December 31, 2025, 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 in the Atlanta-Sandy Springs-Roswell, GA area (n=21). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
62
Asset Quality
67
Profitability
43
Liquidity
13
Efficiency
43
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.
Atlanta, GA · Charter 17017
NCUA · 2 branches
Q4 2025
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 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.62% | 0.62% | 0.69% | 0.69% | 0.03% | 0.37% | 0.47% | 0.52% | -17 bps | |
| Return on Equity | 5.80% | 5.49% | 5.81% | 5.53% | 0.24% | 2.88% | 3.44% | 3.69% | -183 bps | |
| Net Interest Margin | 2.87% | 3.19% | 3.31% | 3.42% | 2.99% | 3.55% | 3.67% | 3.71% | +30 bps | |
| Efficiency Ratio | 78.46% | 76.78% | 76.28% | 77.56% | 91.19% | 85.81% | 85.05% | 84.49% | +693 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.57% | 14.41% | 6.98% | 1.22% | -3.96% | -9.68% | -9.68% | -7.63% | -885 bps | |
| Loan Growth (YoY) | -4.43% | 8.11% | 7.92% | 3.20% | 3.73% | -12.09% | -12.55% | -14.26% | -1,746 bps | |
| Share Growth (YoY) | 5.70% | 7.51% | 4.29% | -1.62% | -4.96% | -9.07% | -8.27% | -5.04% | -342 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.37% | 0.34% | 0.35% | 0.51% | 0.39% | 0.33% | 0.80% | 0.56% | +6 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.62% | 11.29% | 11.89% | 12.53% | 11.52% | 13.02% | 13.65% | 14.05% | +152 bps | |
| Net Worth / Assets | 10.62% | 11.29% | 11.89% | 12.53% | 11.52% | 13.02% | 13.65% | 14.05% | +152 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 68.68% | 84.69% | 86.52% | 89.42% | 74.95% | 81.87% | 82.48% | 80.74% | -868 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Atlanta, GA · Charter 17017 · Peer group: credit unions under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (n=21)
NCUA · 2 branches
Q4 2025
Return on Assets
0.52%
Rank 12 of 21
Net Interest Margin
3.71%
Rank 10 of 21
Efficiency Ratio
84.49%
Rank 13 of 21
Equity / Assets
14.05%
Rank 8 of 21
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.52% | 0.28% | 0.67% | 1.19% | Beats 43% | 12 / 21 | ||
| Return on Equity | 3.69% | 1.92% | 4.49% | 7.56% | Beats 33% | 14 / 21 | ||
| Net Interest Margin | 3.71% | 3.29% | 3.63% | 4.20% | Beats 52% | 10 / 21 | ||
| Efficiency Ratio | 84.49% | 70.06% | 84.27% | 87.64% | Beats 43% | 13 / 21 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.56% | 0.30% | 0.65% | 0.86% | Beats 67% | 8 / 21 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.05% | 10.51% | 12.07% | 14.42% | Beats 62% | 8 / 21 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 14.05% | 10.51% | 12.07% | 14.42% | Beats 62% | 8 / 21 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 80.74% | 43.69% | 70.06% | 79.93% | 76th pctl | 5 / 21 | ||
| Loans / Assets | 67.89% | 36.39% | 60.86% | 68.57% | 67th pctl | 7 / 21 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||