Oglethorpe, GA · Charter 23908
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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
99
Asset Quality
75
Profitability
58
Liquidity
0
Efficiency
4
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.
Oglethorpe, GA · Charter 23908
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 | 5.59% | 0.33% | -2.42% | -1.88% | -0.41% | -0.08% | 0.15% | 0.83% | +271 bps | |
| Return on Equity | 17.70% | 0.85% | -6.61% | -4.95% | -1.11% | -0.20% | 0.41% | 2.18% | +712 bps | |
| Net Interest Margin | 13.32% | 7.34% | 7.33% | 7.36% | 7.07% | 7.25% | 7.07% | 6.97% | -39 bps | |
| Efficiency Ratio | 33.28% | 63.70% | 72.12% | 86.98% | 80.75% | 82.27% | 144.61% | 112.41% | +2,543 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.71% | 4.50% | 0.27% | 2.00% | 3.83% | 0.29% | 2.01% | 3.97% | +196 bps | |
| Loan Growth (YoY) | 12.40% | 13.07% | 9.22% | 11.44% | 10.77% | 0.19% | -2.64% | -7.73% | -1,916 bps | |
| Share Growth (YoY) | 3.05% | 7.27% | 0.57% | 2.11% | -3.51% | -5.54% | 0.45% | 3.19% | +108 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.37% | 0.28% | 0.40% | 0.17% | 0.11% | 0.22% | -6 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 | 1.16% | 1.09% | 2.94% | 3.04% | 4.22% | 4.40% | 3.68% | 3.86% | +82 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 31.61% | 38.51% | 36.69% | 38.09% | 36.62% | 38.32% | 36.91% | 38.06% | -4 bps | |
| Net Worth / Assets | 31.61% | 38.51% | 36.69% | 38.09% | 36.62% | 38.32% | 36.91% | 38.06% | -4 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 103.05% | 124.39% | 109.71% | 119.06% | 118.31% | 131.95% | 106.33% | 106.47% | -1,259 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Oglethorpe, GA · Charter 23908 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.81%
Rank 768 of 1,683
Net Interest Margin
6.98%
Rank 13 of 1,683
Efficiency Ratio
113.11%
Rank 1,621 of 1,682
Equity / Assets
38.05%
Rank 19 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.81% | 0.35% | 0.74% | 1.18% | Beats 54% | 768 / 1,683 | ||
| Return on Equity | 2.14% | 2.67% | 5.89% | 8.74% | Beats 21% | 1,332 / 1,681 | ||
| Net Interest Margin | 6.98% | 3.31% | 3.82% | 4.32% | Beats 99% | 13 / 1,683 | ||
| Efficiency Ratio | 113.11% | 68.91% | 78.20% | 86.93% | Beats 4% | 1,621 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.27% | 0.26% | 0.65% | 1.29% | Beats 75% | 427 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 38.05% | 10.44% | 12.89% | 16.53% | Beats 99% | 19 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 38.05% | 10.44% | 12.89% | 16.53% | Beats 99% | 19 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 106.45% | 52.61% | 69.38% | 83.50% | 98th pctl | 28 / 1,683 | ||
| Loans / Assets | 65.33% | 44.71% | 59.18% | 70.72% | 63rd pctl | 620 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||