Toccoa, GA · Charter 24234
NCUA · 2 branches
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 in the Dallas-Fort Worth-Arlington, TX area (n=60). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
7
Asset Quality
52
Profitability
44
Liquidity
0
Efficiency
35
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.
Toccoa, GA · Charter 24234
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 | 2.57% | 2.17% | 1.69% | 1.34% | 1.68% | 1.36% | 1.24% | 0.35% | -98 bps | |
| Return on Equity | 26.06% | 21.68% | 18.36% | 14.23% | 16.60% | 13.73% | 13.76% | 3.96% | -1,027 bps | |
| Net Interest Margin | 4.17% | 4.21% | 4.02% | 4.07% | 4.16% | 4.13% | 3.76% | 3.89% | -19 bps | |
| Efficiency Ratio | 50.78% | 51.32% | 51.87% | 55.49% | 53.56% | 53.24% | 78.46% | 85.97% | +3,048 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.99% | 4.46% | 3.60% | 4.51% | 2.94% | 5.66% | 5.50% | 4.72% | +20 bps | |
| Loan Growth (YoY) | 3.50% | -14.69% | -19.77% | -23.17% | -3.92% | 0.12% | -3.99% | -4.48% | +1,869 bps | |
| Share Growth (YoY) | 12.19% | 3.53% | 2.74% | 4.43% | 2.77% | 5.76% | 5.53% | 5.24% | +81 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.72% | 0.77% | 0.48% | 1.83% | 1.16% | 0.85% | 0.54% | 0.81% | -102 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 | 0.20% | 0.53% | 0.76% | 1.17% | 1.12% | 1.39% | 1.34% | 1.55% | +38 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.88% | 10.01% | 9.22% | 9.40% | 10.10% | 9.88% | 9.04% | 8.91% | -49 bps | |
| Net Worth / Assets | 9.88% | 10.01% | 9.22% | 9.40% | 10.10% | 9.88% | 9.04% | 8.91% | -49 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 51.62% | 48.29% | 43.79% | 40.58% | 48.25% | 45.71% | 39.84% | 36.83% | -375 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Toccoa, GA · Charter 24234 · Peer group: credit unions under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (n=60)
NCUA · 2 branches
Q2 2026
Return on Assets
0.36%
Rank 39 of 60
Net Interest Margin
3.87%
Rank 31 of 60
Efficiency Ratio
86.15%
Rank 40 of 60
Equity / Assets
8.90%
Rank 56 of 60
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.36% | 0.02% | 0.62% | 0.99% | Beats 35% | 39 / 60 | ||
| Return on Equity | 4.07% | 0.12% | 4.17% | 8.32% | Beats 48% | 31 / 60 | ||
| Net Interest Margin | 3.87% | 3.36% | 3.95% | 4.45% | Beats 48% | 31 / 60 | ||
| Efficiency Ratio | 86.15% | 70.09% | 78.52% | 92.77% | Beats 35% | 40 / 60 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.81% | 0.25% | 0.82% | 1.91% | Beats 52% | 30 / 60 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 8.90% | 11.15% | 14.35% | 19.86% | Beats 7% | 56 / 60 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 8.90% | 11.15% | 14.35% | 19.86% | Beats 7% | 56 / 60 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 36.84% | 51.31% | 60.45% | 81.20% | 3rd pctl | 58 / 60 | ||
| Loans / Assets | 33.41% | 41.11% | 52.43% | 68.66% | 7th pctl | 56 / 60 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||