Atlanta, GA · Charter 383
NCUA · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, 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=19). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
63
Asset Quality
63
Profitability
24
Liquidity
28
Efficiency
16
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.
Atlanta, GA · Charter 383
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 | 0.75% | 0.65% | 0.32% | 0.27% | 0.27% | 0.28% | 0.03% | -0.02% | -29 bps | |
| Return on Equity | 5.33% | 4.61% | 2.34% | 1.96% | 1.91% | 1.93% | 0.22% | -0.16% | -212 bps | |
| Net Interest Margin | 3.57% | 3.54% | 3.23% | 3.20% | 3.31% | 3.28% | 2.89% | 3.04% | -16 bps | |
| Efficiency Ratio | 82.45% | 85.03% | 83.77% | 88.11% | 88.44% | 90.74% | 98.09% | 96.75% | +864 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.68% | -1.06% | 1.10% | 2.22% | 0.79% | -0.47% | 0.51% | -0.98% | -320 bps | |
| Loan Growth (YoY) | 0.54% | 2.17% | 0.36% | -1.03% | 0.63% | -1.52% | 1.23% | 1.36% | +239 bps | |
| Share Growth (YoY) | -6.32% | -1.18% | 1.59% | 2.55% | 0.53% | -0.69% | 0.00% | -0.99% | -355 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.40% | 0.10% | 0.21% | 0.27% | 0.39% | 0.44% | 0.35% | 0.37% | +11 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 | 14.15% | 14.11% | 13.51% | 13.65% | 14.30% | 14.42% | 13.60% | 13.88% | +23 bps | |
| Net Worth / Assets | 14.15% | 14.11% | 13.51% | 13.65% | 14.30% | 14.42% | 13.60% | 13.88% | +23 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 48.53% | 49.69% | 45.38% | 45.89% | 48.57% | 49.27% | 45.94% | 46.98% | +109 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Atlanta, GA · Charter 383 · Peer group: credit unions under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (n=19)
NCUA · 1 branch
Q2 2026
Return on Assets
-0.02%
Rank 14 of 19
Net Interest Margin
3.04%
Rank 15 of 19
Efficiency Ratio
96.89%
Rank 17 of 19
Equity / Assets
13.88%
Rank 7 of 19
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.02% | -0.11% | 0.66% | 1.27% | Beats 26% | 14 / 19 | ||
| Return on Equity | -0.16% | -0.53% | 4.88% | 8.56% | Beats 26% | 14 / 19 | ||
| Net Interest Margin | 3.04% | 3.04% | 3.58% | 4.03% | Beats 21% | 15 / 19 | ||
| Efficiency Ratio | 96.89% | 67.29% | 83.22% | 91.36% | Beats 16% | 17 / 19 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.37% | 0.10% | 0.50% | 1.13% | Beats 63% | 8 / 19 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.88% | 10.58% | 12.87% | 17.85% | Beats 63% | 7 / 19 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 13.88% | 10.58% | 12.87% | 17.85% | Beats 63% | 7 / 19 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 46.98% | 41.38% | 66.89% | 77.97% | 42nd pctl | 11 / 19 | ||
| Loans / Assets | 40.15% | 33.12% | 56.90% | 65.75% | 37th pctl | 12 / 19 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||