Toccoa, GA · Charter 20890
NCUA · 2 branches
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
62
Asset Quality
0
Profitability
84
Liquidity
0
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.
Toccoa, GA · Charter 20890
NCUA · 2 branches
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 | 1.61% | 0.00% | 1.53% | 3.15% | 2.70% | 0.21% | 1.53% | 3.63% | +48 bps | |
| Return on Equity | 12.33% | 0.00% | 12.34% | 23.48% | 19.53% | 1.71% | 12.06% | 25.96% | +249 bps | |
| Net Interest Margin | 2.04% | 1.07% | 1.85% | 3.49% | 3.01% | 1.22% | 2.09% | 3.97% | +48 bps | |
| Efficiency Ratio | 25.29% | 100.00% | 22.43% | 12.10% | 13.79% | 84.06% | 35.04% | 14.96% | +286 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.74% | 2.14% | 2.06% | 2.99% | 2.31% | -0.82% | -1.08% | -0.85% | -384 bps | |
| Loan Growth (YoY) | 114.64% | 198.52% | 224% | 227% | 30.40% | 5.88% | 8.84% | 15.46% | -21,139 bps | |
| Share Growth (YoY) | 0.95% | 1.77% | 1.59% | 1.56% | 1.00% | -0.80% | -0.73% | -0.74% | -231 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 49.01% | 13.84% | +1,384 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 | 7.62% | 6.58% | 7.06% | 7.82% | 5.84% | 6.21% | 6.49% | 6.77% | -105 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.02% | 12.04% | 12.37% | 13.42% | 13.82% | 12.35% | 12.72% | 13.97% | +55 bps | |
| Net Worth / Assets | 13.02% | 12.04% | 12.37% | 13.42% | 13.82% | 12.35% | 12.72% | 13.97% | +55 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 14.81% | 16.99% | 15.81% | 14.29% | 19.12% | 18.13% | 17.34% | 16.62% | +233 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Toccoa, GA · Charter 20890 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
3.87%
Rank 4 of 1,683
Net Interest Margin
3.87%
Rank 797 of 1,683
Efficiency Ratio
0.00%
Rank 1 of 1,682
Equity / Assets
14.19%
Rank 645 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 3.87% | 0.35% | 0.74% | 1.18% | Beats 100% | 4 / 1,683 | ||
| Return on Equity | 27.27% | 2.67% | 5.89% | 8.74% | Beats 100% | 5 / 1,681 | ||
| Net Interest Margin | 3.87% | 3.31% | 3.82% | 4.32% | Beats 53% | 797 / 1,683 | ||
| Efficiency Ratio | 0.00% | 68.91% | 78.20% | 86.93% | Beats 100% | 1 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 13.64% | 0.26% | 0.65% | 1.29% | Beats 0% | 1,676 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.19% | 10.44% | 12.89% | 16.53% | Beats 62% | 645 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 14.19% | 10.44% | 12.89% | 16.53% | Beats 62% | 645 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 16.54% | 52.61% | 69.38% | 83.50% | 1st pctl | 1,660 / 1,683 | ||
| Loans / Assets | 14.19% | 44.71% | 59.18% | 70.72% | 2nd pctl | 1,657 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||