PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Coweta Cities & County Employees

Newnan, GA · Charter 20509

NCUA · 1 branch

Q2 2026

$28.1MAssets
$9.3MLoans
$22.4MShares
$5.7MNet 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 1.51%, down 36 bps year over year; NIM at 3.58%.
  • Asset quality: problem loans at 0.00% of loans (-1 bps YoY).
  • Capital: net worth / assets of 20.35%, up 130 bps from a year ago.
  • Funding: loans stand at 41.32% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.51%-36 bps YoY

Net Interest Margin (YTD, annualized)

3.58%-21 bps YoY

Efficiency Ratio (YTD, annualized)

58.35%+661 bps YoY

Net Worth / Assets

20.35%+130 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.87%1.64%1.61%1.40%1.51%-36 bps
Return on Equity9.84%8.43%8.14%6.91%7.44%-240 bps
Net Interest Margin3.79%3.62%3.63%3.54%3.58%-21 bps
Efficiency Ratio51.74%55.37%56.54%60.67%58.35%+661 bps
Growth
Asset Growth (YoY)0.00%-0.54%2.39%-0.42%0.79%+79 bps
Loan Growth (YoY)-1.58%0.14%0.06%-2.91%-6.12%-454 bps
Share Growth (YoY)-2.17%-2.73%0.80%-2.48%-0.87%+130 bps
Asset Quality
Delinquent Loans / Loans0.01%0.01%0.02%0.02%0.00%-1 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 Capital19.05%19.47%19.74%20.26%20.35%+130 bps
Net Worth / Assets19.05%19.47%19.74%20.26%20.35%+130 bps
Liquidity & Funding
Loans / Shares43.63%44.44%43.32%42.51%41.32%-231 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps