PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Walker County Educators

Chickamauga, GA · Charter 20610

NCUA · 1 branch

Q2 2026

$15.1MAssets
$8.4MLoans
$11.4MShares
$3.8MNet Worth

Executive Summary

  • Earnings: ROA of 0.66%, down 70 bps year over year; NIM at 3.79%.
  • Asset quality: problem loans at 0.03% of loans (+2 bps YoY).
  • Capital: net worth / assets of 24.79%, down 59 bps from a year ago.
  • Funding: loans stand at 73.42% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

0.66%-70 bps YoY

Net Interest Margin (quarter, annualized)

3.79%-39 bps YoY

Efficiency Ratio (quarter, annualized)

83.45%+1,671 bps YoY

Net Worth / Assets

24.79%-59 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.33%1.24%1.53%1.35%1.35%1.12%0.84%0.66%-70 bps
Return on Equity5.29%4.97%5.96%5.34%5.22%4.28%3.35%2.65%-268 bps
Net Interest Margin4.36%4.32%4.23%4.18%4.24%4.24%3.81%3.79%-39 bps
Efficiency Ratio68.36%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 / Loans0.11%0.11%0.06%0.00%0.08%0.20%0.06%0.03%+2 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 Capital25.05%25.04%25.60%25.38%25.88%26.07%25.00%24.79%-59 bps
Net Worth / Assets25.05%25.04%25.60%25.38%25.88%26.07%25.00%24.79%-59 bps
Liquidity & Funding
Loans / Shares80.59%77.90%77.26%77.21%78.67%77.89%70.82%73.42%-379 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps