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Letter portraitLegal landscapeQuarterYTD

The Coca-Cola Company Family

Atlanta, GA · Charter 17017

NCUA · 2 branches

Q4 2025

$202.2MAssets
$137.2MLoans
$170.0MShares
$28.4MNet Worth

Executive Summary

  • Earnings: ROA of 0.52%, down 17 bps year over year; NIM at 3.71%.
  • Asset quality: problem loans at 0.56% of loans (+6 bps YoY).
  • Capital: net worth / assets of 14.05%, up 152 bps from a year ago.
  • Funding: loans stand at 80.74% of shares as of Q4 2025.

Return on Assets (quarter, annualized)

0.52%-17 bps YoY

Net Interest Margin (quarter, annualized)

3.71%+30 bps YoY

Efficiency Ratio (quarter, annualized)

84.49%+693 bps YoY

Net Worth / Assets

14.05%+152 bps YoY

Discrete quarter, annualized.

MetricQ1 2024Q2 2024Q3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025YoY ΔTrend
Earnings
Return on Assets0.62%0.62%0.69%0.69%0.03%0.37%0.47%0.52%-17 bps
Return on Equity5.80%5.49%5.81%5.53%0.24%2.88%3.44%3.69%-183 bps
Net Interest Margin2.87%3.19%3.31%3.42%2.99%3.55%3.67%3.71%+30 bps
Efficiency Ratio78.46%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 / Loans0.37%0.34%0.35%0.51%0.39%0.33%0.80%0.56%+6 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.62%11.29%11.89%12.53%11.52%13.02%13.65%14.05%+152 bps
Net Worth / Assets10.62%11.29%11.89%12.53%11.52%13.02%13.65%14.05%+152 bps
Liquidity & Funding
Loans / Shares68.68%84.69%86.52%89.42%74.95%81.87%82.48%80.74%-868 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps