PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Platinum

Duluth, GA · Charter 24631

NCUA · 6 branches

Q2 2026

$412.6MAssets
$260.5MLoans
$374.1MShares
$38.7MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.39%, up 2 bps year over year; NIM at 2.83%.
  • Asset quality: problem loans at 0.29% of loans (+1 bps YoY).
  • Capital: net worth / assets of 9.38%, up 5 bps from a year ago.
  • Funding: loans stand at 69.62% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.39%+2 bps YoY

Net Interest Margin (quarter, annualized)

2.83%+2 bps YoY

Efficiency Ratio (quarter, annualized)

59.05%-91 bps YoY

Net Worth / Assets

9.38%+5 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.37%1.58%1.64%1.36%1.39%+2 bps
Return on Equity14.68%16.15%15.85%14.28%14.80%+12 bps
Net Interest Margin2.81%2.90%3.05%2.92%2.83%+2 bps
Efficiency Ratio59.96%58.17%58.04%58.08%59.05%-91 bps
Growth
Asset Growth (YoY)17.88%9.48%8.57%17.56%19.25%+137 bps
Loan Growth (YoY)15.14%14.39%11.75%10.44%9.43%-571 bps
Share Growth (YoY)17.38%8.69%7.59%17.95%20.14%+275 bps
Asset Quality
Delinquent Loans / Loans0.28%0.27%0.63%0.28%0.29%+1 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.34%9.79%10.32%9.53%9.38%+5 bps
Net Worth / Assets9.34%9.79%10.32%9.53%9.38%+5 bps
Liquidity & Funding
Loans / Shares76.43%77.29%82.28%73.69%69.62%-681 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps