Newnan, GA · Charter 20509
NCUA · 1 branch
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 in the Atlanta-Sandy Springs-Roswell, GA area (n=19). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
89
Asset Quality
100
Profitability
68
Liquidity
8
Efficiency
100
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.
Newnan, GA · Charter 20509
NCUA · 1 branch
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.19% | 2.10% | 1.89% | 1.87% | 1.64% | 1.61% | 1.40% | 1.51% | -36 bps | |
| Return on Equity | 12.37% | 11.31% | 10.13% | 9.84% | 8.43% | 8.14% | 6.91% | 7.44% | -240 bps | |
| Net Interest Margin | 4.03% | 4.12% | 3.79% | 3.79% | 3.62% | 3.63% | 3.54% | 3.58% | -21 bps | |
| Efficiency Ratio | 47.94% | 49.76% | 51.06% | 51.74% | 55.37% | 56.54% | 60.67% | 58.35% | +661 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.63% | -3.66% | -2.42% | 0.00% | -0.54% | 2.39% | -0.42% | 0.79% | +79 bps | |
| Loan Growth (YoY) | 1.67% | 1.13% | -3.30% | -1.58% | 0.14% | 0.06% | -2.91% | -6.12% | -454 bps | |
| Share Growth (YoY) | -4.38% | -6.77% | -5.08% | -2.17% | -2.73% | 0.80% | -2.48% | -0.87% | +130 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.01% | 0.02% | 0.01% | 0.01% | 0.01% | 0.02% | 0.02% | 0.00% | -1 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 | 17.70% | 18.56% | 18.67% | 19.05% | 19.47% | 19.74% | 20.26% | 20.35% | +130 bps | |
| Net Worth / Assets | 17.70% | 18.56% | 18.67% | 19.05% | 19.47% | 19.74% | 20.26% | 20.35% | +130 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 43.16% | 43.64% | 42.70% | 43.63% | 44.44% | 43.32% | 42.51% | 41.32% | -231 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Newnan, GA · Charter 20509 · Peer group: credit unions under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (n=19)
NCUA · 1 branch
Q2 2026
Return on Assets
1.51%
Rank 2 of 19
Net Interest Margin
3.58%
Rank 10 of 19
Efficiency Ratio
58.30%
Rank 1 of 19
Equity / Assets
20.35%
Rank 2 of 19
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.51% | -0.11% | 0.66% | 1.27% | Beats 89% | 2 / 19 | ||
| Return on Equity | 7.44% | -0.53% | 4.88% | 8.56% | Beats 68% | 6 / 19 | ||
| Net Interest Margin | 3.58% | 3.04% | 3.58% | 4.03% | Beats 47% | 10 / 19 | ||
| Efficiency Ratio | 58.30% | 67.29% | 83.22% | 91.36% | Beats 100% | 1 / 19 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.10% | 0.50% | 1.13% | Beats 100% | 3 / 19 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 20.35% | 10.58% | 12.87% | 17.85% | Beats 89% | 2 / 19 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 20.35% | 10.58% | 12.87% | 17.85% | Beats 89% | 2 / 19 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 41.32% | 41.38% | 66.89% | 77.97% | 16th pctl | 16 / 19 | ||
| Loans / Assets | 32.88% | 33.12% | 56.90% | 65.75% | 16th pctl | 16 / 19 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||