Columbus, GA · Charter 376
NCUA · 1 branch
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.85% | 1.51% | 0.61% | 0.67% | 1.06% | 0.51% | -2.04% | -0.67% | -134 bps | |
| Return on Equity | 13.71% | 11.12% | 4.54% | 4.86% | 7.28% | 3.57% | -15.31% | -5.07% | -994 bps | |
| Net Interest Margin | 4.88% | 4.74% | 4.29% | 4.61% | 4.99% | 5.03% | 4.52% | 4.22% | -39 bps | |
| Efficiency Ratio | 68.82% | 70.54% | 73.62% | 70.04% | 67.35% | 65.36% | 85.66% | 82.91% | +1,288 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.20% | -5.97% | -5.05% | -5.42% | -0.75% | -1.63% | 0.16% | 3.19% | +861 bps | |
| Loan Growth (YoY) | -5.38% | -6.40% | -6.07% | -2.01% | -2.02% | -5.07% | -9.42% | -16.35% | -1,434 bps | |
| Share Growth (YoY) | -9.61% | -8.20% | -6.76% | -6.96% | -1.96% | -2.31% | 0.60% | 4.23% | +1,120 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.27% | 1.73% | 1.16% | 1.44% | 1.03% | 2.65% | 1.60% | 1.68% | +25 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 | 0.77% | 0.97% | 0.89% | 1.17% | 1.01% | 1.32% | 2.59% | 2.45% | +129 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.51% | 13.61% | 13.50% | 13.75% | 14.58% | 14.35% | 13.31% | 13.15% | -60 bps | |
| Net Worth / Assets | 13.51% | 13.61% | 13.50% | 13.75% | 14.58% | 14.35% | 13.31% | 13.15% | -60 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 78.40% | 77.25% | 74.00% | 75.95% | 78.35% | 75.07% | 66.63% | 60.95% | -1,500 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |