Elberton, GA · Charter 22083
NCUA · 1 branch
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 Washington-Arlington-Alexandria, DC-VA-MD-WV area (n=60 to 61). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
82
Asset Quality
58
Profitability
80
Liquidity
0
Efficiency
85
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.
Elberton, GA · Charter 22083
NCUA · 1 branch
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 | 1.27% | 1.15% | 0.78% | 1.08% | 1.49% | 1.62% | 1.07% | 1.45% | +37 bps | |
| Return on Equity | 6.47% | 5.70% | 3.94% | 5.54% | 7.58% | 7.94% | 5.36% | 7.22% | +168 bps | |
| Net Interest Margin | 4.49% | 4.58% | 4.14% | 4.31% | 4.48% | 4.52% | 3.84% | 4.07% | -24 bps | |
| Efficiency Ratio | 75.28% | 73.85% | 67.73% | 62.01% | 58.26% | 59.18% | 62.15% | 56.99% | -502 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.38% | 3.84% | 5.25% | 6.60% | 7.00% | 8.04% | 8.04% | 6.72% | +12 bps | |
| Loan Growth (YoY) | -0.97% | -1.88% | 1.74% | -0.72% | 10.81% | 13.80% | 16.09% | 15.64% | +1,636 bps | |
| Share Growth (YoY) | 2.10% | 2.75% | 4.74% | 6.47% | 6.70% | 7.44% | 7.70% | 5.87% | -60 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.59% | 1.55% | 2.42% | 1.52% | 0.98% | 1.00% | 0.82% | 0.78% | -74 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 | 1.69% | 1.86% | 1.96% | 2.08% | 1.96% | 1.59% | 1.55% | 1.60% | -48 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.65% | 20.24% | 19.81% | 19.58% | 19.65% | 20.35% | 19.99% | 20.10% | +52 bps | |
| Net Worth / Assets | 19.65% | 20.24% | 19.81% | 19.58% | 19.65% | 20.35% | 19.99% | 20.10% | +52 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 84.29% | 84.56% | 84.30% | 82.60% | 87.53% | 89.56% | 90.87% | 90.23% | +763 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Elberton, GA · Charter 22083 · Peer group: credit unions under $1B in assets in the Washington-Arlington-Alexandria, DC-VA-MD-WV area (n=60-61)
NCUA · 1 branch
Q2 2026
Return on Assets
1.47%
Rank 10 of 61
Net Interest Margin
4.10%
Rank 14 of 61
Efficiency Ratio
56.30%
Rank 10 of 60
Equity / Assets
20.09%
Rank 11 of 61
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.47% | -0.02% | 0.37% | 0.88% | Beats 84% | 10 / 61 | ||
| Return on Equity | 7.30% | -0.25% | 2.65% | 5.53% | Beats 80% | 12 / 61 | ||
| Net Interest Margin | 4.10% | 3.07% | 3.57% | 4.09% | Beats 77% | 14 / 61 | ||
| Efficiency Ratio | 56.30% | 71.78% | 87.58% | 95.00% | Beats 85% | 10 / 60 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.77% | 0.44% | 1.06% | 1.85% | Beats 58% | 26 / 60 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 20.09% | 9.78% | 12.37% | 17.30% | Beats 82% | 11 / 61 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 20.09% | 9.78% | 12.37% | 17.30% | Beats 82% | 11 / 61 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 90.23% | 37.27% | 62.33% | 76.91% | 90th pctl | 6 / 61 | ||
| Loans / Assets | 70.62% | 30.13% | 54.75% | 64.37% | 80th pctl | 12 / 61 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||