Toccoa, GA · Charter 20890
NCUA · 2 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |