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On the Grid Financial

Atlanta, GA · Charter 383

NCUA · 1 branch

Q2 2026

$45.3MAssets
$18.2MLoans
$38.7MShares
$6.3MNet 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 -0.02%, down 29 bps year over year; NIM at 3.04%.
  • Asset quality: problem loans at 0.37% of loans (+11 bps YoY).
  • Capital: net worth / assets of 13.88%, up 23 bps from a year ago.
  • Funding: loans stand at 46.98% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.02%-29 bps YoY

Net Interest Margin (YTD, annualized)

3.04%-16 bps YoY

Efficiency Ratio (YTD, annualized)

96.75%+864 bps YoY

Net Worth / Assets

13.88%+23 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.27%0.27%0.28%0.03%-0.02%-29 bps
Return on Equity1.96%1.91%1.93%0.22%-0.16%-212 bps
Net Interest Margin3.20%3.31%3.28%2.89%3.04%-16 bps
Efficiency Ratio88.11%88.44%90.74%98.09%96.75%+864 bps
Growth
Asset Growth (YoY)2.22%0.79%-0.47%0.51%-0.98%-320 bps
Loan Growth (YoY)-1.03%0.63%-1.52%1.23%1.36%+239 bps
Share Growth (YoY)2.55%0.53%-0.69%0.00%-0.99%-355 bps
Asset Quality
Delinquent Loans / Loans0.27%0.39%0.44%0.35%0.37%+11 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 Capital13.65%14.30%14.42%13.60%13.88%+23 bps
Net Worth / Assets13.65%14.30%14.42%13.60%13.88%+23 bps
Liquidity & Funding
Loans / Shares45.89%48.57%49.27%45.94%46.98%+109 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps