Atlanta, GA · Charter 20974
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 in the Atlanta-Sandy Springs-Roswell, GA area (n=19). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
26
Asset Quality
5
Profitability
32
Liquidity
0
Efficiency
32
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.
Atlanta, GA · Charter 20974
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 | 1.21% | 0.88% | 0.95% | 0.81% | 0.80% | 0.69% | -1.96% | -1.74% | -255 bps | |
| Return on Equity | 10.87% | 8.22% | 8.82% | 7.04% | 6.79% | 5.85% | -17.46% | -16.01% | -2,305 bps | |
| Net Interest Margin | 5.30% | 5.30% | 5.39% | 5.57% | 5.62% | 5.72% | 5.33% | 5.10% | -48 bps | |
| Efficiency Ratio | 68.04% | 69.24% | 75.10% | 74.59% | 75.68% | 77.38% | 90.86% | 91.38% | +1,679 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.07% | 1.26% | 1.02% | -4.48% | -3.74% | -7.04% | -7.78% | -3.09% | +138 bps | |
| Loan Growth (YoY) | -2.25% | -7.30% | -6.55% | -3.16% | -2.26% | 1.09% | 1.76% | -0.74% | +242 bps | |
| Share Growth (YoY) | -0.15% | 1.60% | 1.51% | -4.26% | -5.13% | -8.79% | -8.96% | -3.59% | +67 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.69% | 5.20% | 4.09% | 4.23% | 3.34% | 3.72% | 1.72% | 3.63% | -60 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 | 11.13% | 10.71% | 10.75% | 11.46% | 11.77% | 11.84% | 11.23% | 10.86% | -60 bps | |
| Net Worth / Assets | 11.13% | 10.71% | 10.75% | 11.46% | 11.77% | 11.84% | 11.23% | 10.86% | -60 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 89.12% | 85.81% | 82.84% | 88.90% | 91.81% | 95.11% | 92.60% | 91.53% | +263 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Atlanta, GA · Charter 20974 · Peer group: credit unions under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (n=19)
NCUA · 2 branches
Q2 2026
Return on Assets
-1.74%
Rank 19 of 19
Net Interest Margin
5.10%
Rank 1 of 19
Efficiency Ratio
91.36%
Rank 14 of 19
Equity / Assets
10.86%
Rank 14 of 19
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -1.74% | -0.11% | 0.66% | 1.27% | Beats 0% | 19 / 19 | ||
| Return on Equity | -15.99% | -0.53% | 4.88% | 8.56% | Beats 0% | 19 / 19 | ||
| Net Interest Margin | 5.10% | 3.04% | 3.58% | 4.03% | Beats 95% | 1 / 19 | ||
| Efficiency Ratio | 91.36% | 67.29% | 83.22% | 91.36% | Beats 32% | 14 / 19 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 3.63% | 0.10% | 0.50% | 1.13% | Beats 5% | 19 / 19 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.86% | 10.58% | 12.87% | 17.85% | Beats 26% | 14 / 19 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.86% | 10.58% | 12.87% | 17.85% | Beats 26% | 14 / 19 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 91.53% | 41.38% | 66.89% | 77.97% | 89th pctl | 2 / 19 | ||
| Loans / Assets | 81.24% | 33.12% | 56.90% | 65.75% | 95th pctl | 1 / 19 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||