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 | |