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 | |