Chickamauga, GA · Charter 20610
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 (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
94
Asset Quality
91
Profitability
39
Liquidity
82
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.
Chickamauga, GA · Charter 20610
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 | 1.33% | 1.24% | 1.53% | 1.35% | 1.35% | 1.12% | 0.84% | 0.66% | -70 bps | |
| Return on Equity | 5.29% | 4.97% | 5.96% | 5.34% | 5.22% | 4.28% | 3.35% | 2.65% | -268 bps | |
| Net Interest Margin | 4.36% | 4.32% | 4.23% | 4.18% | 4.24% | 4.24% | 3.81% | 3.79% | -39 bps | |
| Efficiency Ratio | 68.36% | 70.09% | 63.28% | 66.74% | 68.28% | 74.57% | 79.04% | 83.45% | +1,671 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.15% | 4.14% | 0.46% | 3.09% | 1.72% | 0.25% | 6.20% | 5.42% | +233 bps | |
| Loan Growth (YoY) | 6.38% | 4.81% | 3.18% | 1.52% | -1.83% | -1.14% | -1.69% | 1.35% | -17 bps | |
| Share Growth (YoY) | 2.15% | 3.57% | -1.12% | 2.40% | 0.57% | -1.12% | 7.26% | 6.57% | +417 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.11% | 0.11% | 0.06% | 0.00% | 0.08% | 0.20% | 0.06% | 0.03% | +2 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 | 25.05% | 25.04% | 25.60% | 25.38% | 25.88% | 26.07% | 25.00% | 24.79% | -59 bps | |
| Net Worth / Assets | 25.05% | 25.04% | 25.60% | 25.38% | 25.88% | 26.07% | 25.00% | 24.79% | -59 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 80.59% | 77.90% | 77.26% | 77.21% | 78.67% | 77.89% | 70.82% | 73.42% | -379 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Chickamauga, GA · Charter 20610 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.66%
Rank 938 of 1,683
Net Interest Margin
3.79%
Rank 864 of 1,683
Efficiency Ratio
83.39%
Rank 1,110 of 1,682
Equity / Assets
24.79%
Rank 105 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.66% | 0.35% | 0.74% | 1.18% | Beats 44% | 938 / 1,683 | ||
| Return on Equity | 2.66% | 2.67% | 5.89% | 8.74% | Beats 25% | 1,264 / 1,681 | ||
| Net Interest Margin | 3.79% | 3.31% | 3.82% | 4.32% | Beats 49% | 864 / 1,683 | ||
| Efficiency Ratio | 83.39% | 68.91% | 78.20% | 86.93% | Beats 34% | 1,110 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.02% | 0.26% | 0.65% | 1.29% | Beats 91% | 153 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 24.79% | 10.44% | 12.89% | 16.53% | Beats 94% | 105 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 24.79% | 10.44% | 12.89% | 16.53% | Beats 94% | 105 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 73.43% | 52.61% | 69.38% | 83.50% | 58th pctl | 711 / 1,683 | ||
| Loans / Assets | 55.21% | 44.71% | 59.18% | 70.72% | 42nd pctl | 971 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||