Oakwood, GA · Charter 19552
NCUA · 3 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
13
Asset Quality
58
Profitability
28
Liquidity
1
Efficiency
34
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.
Oakwood, GA · Charter 19552
NCUA · 3 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 | 0.92% | 0.90% | 0.85% | -2.19% | -0.70% | -161 bps | |
| Return on Equity | 9.58% | 9.36% | 8.72% | -25.01% | -7.47% | -1,705 bps | |
| Net Interest Margin | 4.38% | 4.31% | 4.28% | 4.20% | 4.32% | -6 bps | |
| Efficiency Ratio | 83.11% | 83.20% | 82.71% | 83.08% | 83.44% | +33 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.33% | 1.53% | 4.79% | 6.40% | 3.58% | +125 bps | |
| Loan Growth (YoY) | 7.45% | 8.99% | 10.68% | 5.45% | 3.26% | -419 bps | |
| Share Growth (YoY) | 1.71% | 0.66% | 4.58% | 7.32% | 4.20% | +250 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.28% | 0.34% | 0.62% | 0.48% | 0.53% | +25 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 | 9.59% | 9.66% | 9.79% | 8.78% | 9.31% | -28 bps | |
| Net Worth / Assets | 9.59% | 9.66% | 9.79% | 8.78% | 9.31% | -28 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 92.83% | 91.49% | 95.24% | 89.57% | 91.99% | -84 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Oakwood, GA · Charter 19552 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
Return on Assets
-0.70%
Rank 1,590 of 1,683
Net Interest Margin
4.32%
Rank 419 of 1,683
Efficiency Ratio
83.43%
Rank 1,111 of 1,682
Equity / Assets
9.31%
Rank 1,465 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.70% | 0.35% | 0.74% | 1.18% | Beats 6% | 1,590 / 1,683 | |
| Return on Equity | -7.48% | 2.67% | 5.89% | 8.74% | Beats 4% | 1,607 / 1,681 | |
| Net Interest Margin | 4.32% | 3.31% | 3.82% | 4.32% | Beats 75% | 419 / 1,683 | |
| Efficiency Ratio | 83.43% | 68.91% | 78.20% | 86.93% | Beats 34% | 1,111 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.53% | 0.26% | 0.65% | 1.29% | Beats 58% | 715 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 9.31% | 10.44% | 12.89% | 16.53% | Beats 13% | 1,465 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 9.31% | 10.44% | 12.89% | 16.53% | Beats 13% | 1,465 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 91.99% | 52.61% | 69.38% | 83.50% | 90th pctl | 175 / 1,683 | |
| Loans / Assets | 82.65% | 44.71% | 59.18% | 70.72% | 95th pctl | 84 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||