Savannah, GA · Charter 22362
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 | 0.36% | 0.50% | 1.01% | 1.06% | 1.03% | 0.50% | 0.17% | -0.42% | -148 bps | |
| Return on Equity | 1.79% | 2.44% | 5.16% | 5.40% | 5.26% | 2.49% | 0.86% | -2.16% | -756 bps | |
| Net Interest Margin | 4.28% | 4.39% | 4.50% | 4.43% | 4.45% | 4.71% | 4.71% | 4.63% | +20 bps | |
| Efficiency Ratio | 74.15% | 72.03% | 70.09% | 72.22% | 69.46% | 72.17% | 69.45% | 75.58% | +336 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.84% | 1.02% | 3.26% | 6.75% | 8.10% | 4.08% | 2.31% | 0.02% | -673 bps | |
| Loan Growth (YoY) | 10.66% | 5.73% | 4.64% | 3.74% | -2.89% | -2.62% | -0.02% | -1.98% | -572 bps | |
| Share Growth (YoY) | 3.24% | 0.31% | 1.41% | 5.33% | 8.54% | 3.08% | 2.59% | 0.30% | -504 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.72% | 1.56% | 1.58% | 1.64% | 2.49% | 1.54% | 2.73% | 2.65% | +101 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 | 0.63% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.88% | 20.45% | 19.59% | 19.68% | 19.51% | 20.08% | 19.36% | 19.35% | -32 bps | |
| Net Worth / Assets | 19.88% | 20.45% | 19.59% | 19.68% | 19.51% | 20.08% | 19.36% | 19.35% | -32 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.09% | 80.78% | 75.67% | 76.03% | 72.55% | 76.32% | 73.74% | 74.30% | -172 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |