Oglethorpe, GA · Charter 23908
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.88% | -0.41% | -0.08% | 0.15% | 0.83% | +271 bps | |
| Return on Equity | -4.95% | -1.11% | -0.20% | 0.41% | 2.18% | +712 bps | |
| Net Interest Margin | 7.36% | 7.07% | 7.25% | 7.07% | 6.97% | -39 bps | |
| Efficiency Ratio | 86.98% | 80.75% | 82.27% | 144.61% | 112.41% | +2,543 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.00% | 3.83% | 0.29% | 2.01% | 3.97% | +196 bps | |
| Loan Growth (YoY) | 11.44% | 10.77% | 0.19% | -2.64% | -7.73% | -1,916 bps | |
| Share Growth (YoY) | 2.11% | -3.51% | -5.54% | 0.45% | 3.19% | +108 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 3.04% | 4.22% | 4.40% | 3.68% | 3.86% | +82 bps | |
| Capital | |||||||
| Risk-Based Capital | 38.09% | 36.62% | 38.32% | 36.91% | 38.06% | -4 bps | |
| Net Worth / Assets | 38.09% | 36.62% | 38.32% | 36.91% | 38.06% | -4 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |