Duluth, GA · Charter 24631
NCUA · 6 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 Atlanta-Sandy Springs-Roswell, GA area (n=19). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
0
Asset Quality
68
Profitability
60
Liquidity
86
Efficiency
95
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.
Duluth, GA · Charter 24631
NCUA · 6 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 | 1.46% | 1.49% | 1.50% | 1.37% | 1.58% | 1.64% | 1.36% | 1.39% | +2 bps | |
| Return on Equity | 16.36% | 15.97% | 15.92% | 14.68% | 16.15% | 15.85% | 14.28% | 14.80% | +12 bps | |
| Net Interest Margin | 2.56% | 2.64% | 2.76% | 2.81% | 2.90% | 3.05% | 2.92% | 2.83% | +2 bps | |
| Efficiency Ratio | 61.01% | 61.20% | 61.51% | 59.96% | 58.17% | 58.04% | 58.08% | 59.05% | -91 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.05% | 13.98% | 17.40% | 17.88% | 9.48% | 8.57% | 17.56% | 19.25% | +137 bps | |
| Loan Growth (YoY) | 8.18% | 14.94% | 17.27% | 15.14% | 14.39% | 11.75% | 10.44% | 9.43% | -571 bps | |
| Share Growth (YoY) | 15.04% | 13.43% | 17.35% | 17.38% | 8.69% | 7.59% | 17.95% | 20.14% | +275 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.26% | 0.27% | 0.38% | 0.28% | 0.27% | 0.63% | 0.28% | 0.29% | +1 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.95% | 9.35% | 9.40% | 9.34% | 9.79% | 10.32% | 9.53% | 9.38% | +5 bps | |
| Net Worth / Assets | 8.95% | 9.35% | 9.40% | 9.34% | 9.79% | 10.32% | 9.53% | 9.38% | +5 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 73.44% | 79.21% | 78.70% | 76.43% | 77.29% | 82.28% | 73.69% | 69.62% | -681 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Duluth, GA · Charter 24631 · Peer group: credit unions under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (n=19)
NCUA · 6 branches
Q2 2026
Return on Assets
1.39%
Rank 4 of 19
Net Interest Margin
2.83%
Rank 18 of 19
Efficiency Ratio
59.05%
Rank 2 of 19
Equity / Assets
9.38%
Rank 19 of 19
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.39% | -0.11% | 0.66% | 1.27% | Beats 79% | 4 / 19 | ||
| Return on Equity | 14.80% | -0.53% | 4.88% | 8.56% | Beats 95% | 1 / 19 | ||
| Net Interest Margin | 2.83% | 3.04% | 3.58% | 4.03% | Beats 5% | 18 / 19 | ||
| Efficiency Ratio | 59.05% | 67.29% | 83.22% | 91.36% | Beats 95% | 2 / 19 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.29% | 0.10% | 0.50% | 1.13% | Beats 68% | 7 / 19 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.38% | 10.58% | 12.87% | 17.85% | Beats 0% | 19 / 19 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.38% | 10.58% | 12.87% | 17.85% | Beats 0% | 19 / 19 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 69.62% | 41.38% | 66.89% | 77.97% | 58th pctl | 8 / 19 | ||
| Loans / Assets | 63.13% | 33.12% | 56.90% | 65.75% | 63rd pctl | 7 / 19 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||