PackageTrendsPeer
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Lanier

Oakwood, GA · Charter 19552

NCUA · 3 branches

Q2 2026

$71.6MAssets
$59.2MLoans
$64.3MShares
$6.7MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -0.70%, down 161 bps year over year; NIM at 4.32%.
  • Asset quality: problem loans at 0.53% of loans (+25 bps YoY).
  • Capital: net worth / assets of 9.31%, down 28 bps from a year ago.
  • Funding: loans stand at 91.99% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.70%-161 bps YoY

Net Interest Margin (YTD, annualized)

4.32%-6 bps YoY

Efficiency Ratio (YTD, annualized)

83.44%+33 bps YoY

Net Worth / Assets

9.31%-28 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.92%0.90%0.85%-2.19%-0.70%-161 bps
Return on Equity9.58%9.36%8.72%-25.01%-7.47%-1,705 bps
Net Interest Margin4.38%4.31%4.28%4.20%4.32%-6 bps
Efficiency Ratio83.11%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 / Loans0.28%0.34%0.62%0.48%0.53%+25 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.59%9.66%9.79%8.78%9.31%-28 bps
Net Worth / Assets9.59%9.66%9.79%8.78%9.31%-28 bps
Liquidity & Funding
Loans / Shares92.83%91.49%95.24%89.57%91.99%-84 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps