PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Georgia Heritage

Savannah, GA · Charter 3800

NCUA · 4 branches

Q2 2026

$162.7MAssets
$110.5MLoans
$143.5MShares
$16.9MNet 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 0.30%, down 1 bps year over year; NIM at 3.52%.
  • Asset quality: problem loans at 0.34% of loans (+6 bps YoY).
  • Capital: net worth / assets of 10.38%, down 36 bps from a year ago.
  • Funding: loans stand at 77.01% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.30%-1 bps YoY

Net Interest Margin (YTD, annualized)

3.52%-39 bps YoY

Efficiency Ratio (YTD, annualized)

94.15%+630 bps YoY

Net Worth / Assets

10.38%-36 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.31%0.40%0.37%0.33%0.30%-1 bps
Return on Equity2.89%3.71%3.51%3.11%2.87%-2 bps
Net Interest Margin3.91%3.84%3.69%3.70%3.52%-39 bps
Efficiency Ratio87.85%88.28%89.55%93.71%94.15%+630 bps
Growth
Asset Growth (YoY)2.89%6.04%7.38%4.43%6.10%+322 bps
Loan Growth (YoY)9.83%14.45%9.43%-3.35%6.16%-367 bps
Share Growth (YoY)3.00%4.48%8.36%4.90%6.60%+361 bps
Asset Quality
Delinquent Loans / Loans0.29%0.54%0.57%0.33%0.34%+6 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.74%10.74%10.47%10.57%10.38%-36 bps
Net Worth / Assets10.74%10.74%10.47%10.57%10.38%-36 bps
Liquidity & Funding
Loans / Shares77.33%79.07%73.27%72.51%77.01%-32 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps