Rome, GA · Charter 365
NCUA · 4 branches
Q4 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2025, the quarter ended December 31, 2025, 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=21). 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
48
Profitability
2
Liquidity
49
Efficiency
10
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.
Rome, GA · Charter 365
NCUA · 4 branches
Q4 2025
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 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.25% | 0.16% | 0.11% | 0.00% | -0.26% | -0.10% | -0.15% | -0.23% | -23 bps | |
| Return on Equity | 3.24% | 2.01% | 1.55% | 0.02% | -5.63% | -2.04% | -3.00% | -4.83% | -485 bps | |
| Net Interest Margin | 2.70% | 2.83% | 2.72% | 1.99% | 1.91% | 2.17% | 2.25% | 2.34% | +35 bps | |
| Efficiency Ratio | 89.96% | 91.93% | 93.16% | 92.80% | 103.00% | 90.59% | 92.84% | 94.87% | +207 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.13% | 0.89% | 10.90% | 54.11% | 60.92% | 56.92% | 45.14% | 3.41% | -5,069 bps | |
| Loan Growth (YoY) | 23.51% | 16.06% | 14.26% | 28.46% | 37.55% | 42.40% | 40.05% | 21.13% | -732 bps | |
| Share Growth (YoY) | 11.33% | 0.69% | 11.88% | 58.87% | 65.38% | 62.29% | 49.05% | 4.56% | -5,431 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.48% | 0.18% | 0.43% | 0.68% | 0.51% | 0.28% | 0.68% | 0.69% | +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 | 7.74% | 7.85% | 7.39% | 5.24% | 4.69% | 4.88% | 4.91% | 4.82% | -42 bps | |
| Net Worth / Assets | 7.74% | 7.85% | 7.39% | 5.24% | 4.69% | 4.88% | 4.91% | 4.82% | -42 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 78.60% | 85.25% | 81.93% | 65.80% | 65.38% | 74.80% | 76.99% | 76.23% | +1,043 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Rome, GA · Charter 365 · Peer group: credit unions under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (n=21)
NCUA · 4 branches
Q4 2025
Return on Assets
-0.23%
Rank 21 of 21
Net Interest Margin
2.34%
Rank 20 of 21
Efficiency Ratio
94.86%
Rank 20 of 21
Equity / Assets
4.82%
Rank 21 of 21
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.23% | 0.28% | 0.67% | 1.19% | Beats 0% | 21 / 21 | ||
| Return on Equity | -4.84% | 1.92% | 4.49% | 7.56% | Beats 0% | 21 / 21 | ||
| Net Interest Margin | 2.34% | 3.29% | 3.63% | 4.20% | Beats 5% | 20 / 21 | ||
| Efficiency Ratio | 94.86% | 70.06% | 84.27% | 87.64% | Beats 10% | 20 / 21 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.69% | 0.30% | 0.65% | 0.86% | Beats 48% | 12 / 21 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 4.82% | 10.51% | 12.07% | 14.42% | Beats 0% | 21 / 21 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 4.82% | 10.51% | 12.07% | 14.42% | Beats 0% | 21 / 21 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 76.23% | 43.69% | 70.06% | 79.93% | 57th pctl | 9 / 21 | ||
| Loans / Assets | 72.23% | 36.39% | 60.86% | 68.57% | 86th pctl | 3 / 21 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||