Augusta, GA · Charter 24683
NCUA · 2 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 | 1.22% | 0.30% | -0.88% | -0.28% | -0.07% | -0.10% | -1.54% | -5.02% | -474 bps | |
| Return on Equity | 12.56% | 3.20% | -9.28% | -2.83% | -0.74% | -0.94% | -15.31% | -59.07% | -5,623 bps | |
| Net Interest Margin | 4.93% | 5.08% | 4.67% | 4.87% | 4.83% | 4.95% | 4.66% | 4.84% | -3 bps | |
| Efficiency Ratio | 83.62% | 84.02% | 100.66% | 97.58% | 94.43% | 95.41% | 101.81% | 100.74% | +317 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.38% | -4.17% | -10.68% | -11.32% | -10.18% | -8.68% | -8.46% | -9.39% | +193 bps | |
| Loan Growth (YoY) | 14.56% | 13.62% | 0.68% | -5.47% | -7.08% | -8.31% | -15.02% | -18.70% | -1,323 bps | |
| Share Growth (YoY) | -2.35% | -4.69% | -11.43% | -12.21% | -10.71% | -9.55% | -9.10% | -8.62% | +359 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.17% | 3.58% | 1.89% | 3.32% | 5.11% | 5.69% | 3.81% | 0.98% | -234 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 | 0.05% | 0.55% | 0.63% | 0.65% | 0.70% | 0.85% | 1.53% | 2.23% | +158 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.72% | 9.50% | 9.45% | 9.93% | 10.07% | 10.31% | 10.08% | 8.50% | -143 bps | |
| Net Worth / Assets | 9.72% | 9.50% | 9.45% | 9.93% | 10.07% | 10.31% | 10.08% | 8.50% | -143 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 65.42% | 69.14% | 70.74% | 70.93% | 68.08% | 70.08% | 66.13% | 63.10% | -783 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |