PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

B.O.N.D. Community

Atlanta, GA · Charter 20974

NCUA · 2 branches

Q2 2026

$44.1MAssets
$35.8MLoans
$39.1MShares
$4.8MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -1.74%, down 255 bps year over year; NIM at 5.10%.
  • Asset quality: problem loans at 3.63% of loans (-60 bps YoY).
  • Capital: net worth / assets of 10.86%, down 60 bps from a year ago.
  • Funding: loans stand at 91.53% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

-1.74%-255 bps YoY

Net Interest Margin (quarter, annualized)

5.10%-48 bps YoY

Efficiency Ratio (quarter, annualized)

91.38%+1,679 bps YoY

Net Worth / Assets

10.86%-60 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.81%0.80%0.69%-1.96%-1.74%-255 bps
Return on Equity7.04%6.79%5.85%-17.46%-16.01%-2,305 bps
Net Interest Margin5.57%5.62%5.72%5.33%5.10%-48 bps
Efficiency Ratio74.59%75.68%77.38%90.86%91.38%+1,679 bps
Growth
Asset Growth (YoY)-4.48%-3.74%-7.04%-7.78%-3.09%+138 bps
Loan Growth (YoY)-3.16%-2.26%1.09%1.76%-0.74%+242 bps
Share Growth (YoY)-4.26%-5.13%-8.79%-8.96%-3.59%+67 bps
Asset Quality
Delinquent Loans / Loans4.23%3.34%3.72%1.72%3.63%-60 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.46%11.77%11.84%11.23%10.86%-60 bps
Net Worth / Assets11.46%11.77%11.84%11.23%10.86%-60 bps
Liquidity & Funding
Loans / Shares88.90%91.81%95.11%92.60%91.53%+263 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps