Lindale, GA · Charter 21575
NCUA · 1 branch
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 | 0.01% | -0.21% | -1.25% | -1.59% | -1.12% | -1.08% | -0.36% | -0.65% | +94 bps | |
| Return on Equity | 0.09% | -1.53% | -9.33% | -12.31% | -8.36% | -8.33% | -2.74% | -5.00% | +731 bps | |
| Net Interest Margin | 3.73% | 3.51% | 3.55% | 3.83% | 4.03% | 4.09% | 4.79% | 4.45% | +63 bps | |
| Efficiency Ratio | 109.82% | 113.20% | 131.97% | 137.34% | 124.98% | 119.57% | 100.81% | 110.67% | -2,667 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.01% | 0.57% | -0.16% | -0.34% | -3.58% | -2.14% | -3.82% | -4.95% | -461 bps | |
| Loan Growth (YoY) | -5.29% | -3.04% | -6.39% | -4.93% | -3.29% | 3.58% | 3.34% | -13.03% | -810 bps | |
| Share Growth (YoY) | -1.50% | 0.85% | 0.20% | 0.89% | -2.91% | -3.69% | -3.47% | -5.06% | -595 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.54% | 2.45% | 2.85% | 1.50% | 1.63% | 2.86% | 0.60% | 0.86% | -64 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 | 13.96% | 13.75% | 13.39% | 12.90% | 13.41% | 12.97% | 13.06% | 12.97% | +8 bps | |
| Net Worth / Assets | 13.96% | 13.75% | 13.39% | 12.90% | 13.41% | 12.97% | 13.06% | 12.97% | +8 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 91.60% | 89.41% | 82.80% | 86.97% | 91.24% | 96.15% | 88.64% | 79.67% | -730 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |