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 | |