PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Beka

Lindale, GA · Charter 21575

NCUA · 1 branch

Q2 2026

$4.6MAssets
$3.2MLoans
$4.0MShares
$593KNet 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 -0.65%, up 94 bps year over year; NIM at 4.45%.
  • Asset quality: problem loans at 0.86% of loans (-64 bps YoY).
  • Capital: net worth / assets of 12.97%, up 8 bps from a year ago.
  • Funding: loans stand at 79.67% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.65%+94 bps YoY

Net Interest Margin (YTD, annualized)

4.45%+63 bps YoY

Efficiency Ratio (YTD, annualized)

110.67%-2,667 bps YoY

Net Worth / Assets

12.97%+8 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-1.59%-1.12%-1.08%-0.36%-0.65%+94 bps
Return on Equity-12.31%-8.36%-8.33%-2.74%-5.00%+731 bps
Net Interest Margin3.83%4.03%4.09%4.79%4.45%+63 bps
Efficiency Ratio137.34%124.98%119.57%100.81%110.67%-2,667 bps
Growth
Asset Growth (YoY)-0.34%-3.58%-2.14%-3.82%-4.95%-461 bps
Loan Growth (YoY)-4.93%-3.29%3.58%3.34%-13.03%-810 bps
Share Growth (YoY)0.89%-2.91%-3.69%-3.47%-5.06%-595 bps
Asset Quality
Delinquent Loans / Loans1.50%1.63%2.86%0.60%0.86%-64 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 Capital12.90%13.41%12.97%13.06%12.97%+8 bps
Net Worth / Assets12.90%13.41%12.97%13.06%12.97%+8 bps
Liquidity & Funding
Loans / Shares86.97%91.24%96.15%88.64%79.67%-730 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps