Soul Community

Austell, GA · Charter 24968

NCUA

Q1 2025

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2

Part 2Peer Comparison, credit unions under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area3

Basis

Quarter: Q1 2025, the quarter ended March 31, 2025, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Credit unions under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (n=22 to 23). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

Asset Quality

No peer data yet

Profitability

Liquidity

Efficiency

No peer data yet

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.

Soul Community

Austell, GA · Charter 24968

NCUA

Q1 2025

$309KAssets

$0KLoans

$1KShares

$308KNet 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 0.00%; NIM at 0.00%.
Capital: net worth / assets of 99.84%.
Funding: loans stand at 0.00% of shares as of Q1 2025.

Financial Results

Return on Assets (YTD, annualized)

0.00%

Net Interest Margin (YTD, annualized)

0.00%

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

99.84%

Year to date, annualized, through each quarter.

Metric	Q4 2024	Q1 2025	YoY Δ	Trend
Earnings
Return on Assets	0.00%	0.00%	n/a
Return on Equity	0.00%	0.00%	n/a
Net Interest Margin	0.00%	0.00%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a
Growth
Asset Growth (YoY)	n/a	n/a	n/a	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a
Asset Quality
Delinquent Loans / Loans	n/a	n/a	n/a	n/a
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a
Allowance / Loans	n/a	n/a	n/a	n/a
Capital
Risk-Based Capital	100.00%	99.84%	n/a
Net Worth / Assets	100.00%	99.84%	n/a
Liquidity & Funding
Loans / Shares	n/a	0.00%	n/a	n/a
Liquid Assets / Assets	0.00%	0.00%	n/a

Soul Community

Austell, GA · Charter 24968 · Peer group: credit unions under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (n=22-23)

NCUA

Q1 2025

$309KAssets

$0KLoans

$1KShares

$308KNet Worth

Executive Summary

Strongest standing: tier 1 capital ratio outperforms 96% of credit unions under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (rank 1 of 23).
Widest gap: net interest margin trails 100% of credit unions under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (rank 23 of 23).
Overall: at or above the peer median on 2 of 5 directional measures.

Return on Assets

0.00%

Rank 20 of 23

Net Interest Margin

0.00%

Rank 23 of 23

Equity / Assets

99.68%

Rank 1 of 23

Metric	Your Credit Union	Peer 25th	Peer Median	Peer 75th	Standing	Rank
Earnings
Return on Assets	0.00%	0.09%	0.37%	1.08%	Beats 13%	20 / 23
Return on Equity	0.00%	1.28%	4.07%	8.79%	Beats 9%	20 / 22
Net Interest Margin	0.00%	2.82%	3.36%	4.09%	Beats 0%	23 / 23
Efficiency Ratio	n/a	Not reported for this institution
Asset Quality
Nonperforming Loans / Loans	n/a	Not reported for this institution
Net Charge-Offs / Loans	n/a	Not reported for this institution
Capital
Tier 1 Capital Ratio	99.84%	9.85%	11.43%	16.03%	Beats 96%	1 / 23
Total Risk-Based Capital Ratio	n/a	Not reported for this institution
Equity / Assets	99.68%	9.85%	11.43%	16.03%	Beats 96%	1 / 23
Liquidity & Funding
Loans / Deposits	0.00%	41.07%	65.33%	73.52%	0th pctl	23 / 23
Loans / Assets	0.00%	35.53%	59.97%	64.75%	0th pctl	23 / 23
Brokered Deposits / Deposits	n/a	Not reported for this institution