Elberton, GA · Charter 22083
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 | 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 | |