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 | |