Macon, GA · Charter 22400
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 | 2.32% | 2.08% | 0.66% | 0.75% | 0.97% | 1.11% | 2.40% | 1.83% | +108 bps | |
| Return on Equity | 14.85% | 13.71% | 4.60% | 5.07% | 6.04% | 6.55% | 14.91% | 11.43% | +636 bps | |
| Net Interest Margin | 5.41% | 5.07% | 4.24% | 4.18% | 4.57% | 4.90% | 5.37% | 4.61% | +43 bps | |
| Efficiency Ratio | 57.62% | 59.59% | 71.13% | 70.98% | 69.12% | 68.77% | 59.61% | 62.96% | -802 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.33% | 25.41% | 22.12% | 12.24% | 4.85% | -4.22% | -2.25% | 1.81% | -1,044 bps | |
| Loan Growth (YoY) | 8.52% | 11.97% | 8.05% | 5.69% | 6.38% | 1.30% | 3.34% | -0.44% | -613 bps | |
| Share Growth (YoY) | 12.84% | 27.71% | 23.87% | 12.22% | 3.43% | -7.20% | -4.06% | 1.00% | -1,122 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.16% | 1.94% | 1.66% | 1.36% | 1.12% | 2.66% | 3.27% | 3.77% | +241 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 | 0.56% | 0.48% | 0.35% | 0.50% | 0.55% | 0.68% | 1.37% | 1.43% | +93 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.63% | 15.19% | 14.33% | 14.72% | 16.08% | 16.97% | 16.11% | 15.99% | +127 bps | |
| Net Worth / Assets | 15.63% | 15.19% | 14.33% | 14.72% | 16.08% | 16.97% | 16.11% | 15.99% | +127 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 91.61% | 91.31% | 81.60% | 82.90% | 94.22% | 99.67% | 87.89% | 81.72% | -118 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |