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

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.

Return on Assets (quarter, annualized)

1.51%-36 bps YoY

Net Interest Margin (quarter, annualized)

3.58%-21 bps YoY

Efficiency Ratio (quarter, annualized)

58.35%+661 bps YoY

Net Worth / Assets

20.35%+130 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.19%2.10%1.89%1.87%1.64%1.61%1.40%1.51%-36 bps
Return on Equity12.37%11.31%10.13%9.84%8.43%8.14%6.91%7.44%-240 bps
Net Interest Margin4.03%4.12%3.79%3.79%3.62%3.63%3.54%3.58%-21 bps
Efficiency Ratio47.94%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 / Loans0.01%0.02%0.01%0.01%0.01%0.02%0.02%0.00%-1 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 Capital17.70%18.56%18.67%19.05%19.47%19.74%20.26%20.35%+130 bps
Net Worth / Assets17.70%18.56%18.67%19.05%19.47%19.74%20.26%20.35%+130 bps
Liquidity & Funding
Loans / Shares43.16%43.64%42.70%43.63%44.44%43.32%42.51%41.32%-231 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps