Duluth, GA · Charter 24631
NCUA · 6 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |