Norcross, GA · Charter 60484
NCUA · 18 branches
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 | 0.48% | 0.49% | 0.41% | 0.61% | 0.67% | 0.76% | 0.65% | 0.72% | +11 bps | |
| Return on Equity | 3.94% | 3.99% | 3.36% | 4.91% | 5.19% | 5.96% | 5.11% | 5.50% | +59 bps | |
| Net Interest Margin | 2.91% | 2.96% | 3.05% | 3.23% | 3.45% | 3.41% | 3.60% | 3.65% | +42 bps | |
| Efficiency Ratio | 78.22% | 77.10% | 78.17% | 75.55% | 74.55% | 71.47% | 75.02% | 75.01% | -54 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.95% | 3.45% | 3.00% | 2.58% | -0.84% | 2.75% | 10.87% | 11.06% | +848 bps | |
| Loan Growth (YoY) | 7.83% | 9.25% | 12.54% | 10.05% | 6.06% | 5.29% | 10.51% | 8.12% | -194 bps | |
| Share Growth (YoY) | 7.43% | 2.79% | 2.26% | 1.41% | -2.08% | 1.41% | 9.35% | 10.02% | +861 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.36% | 0.37% | 0.34% | 0.36% | 0.40% | 0.34% | 0.30% | 0.30% | -6 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 | 12.23% | 12.36% | 12.12% | 12.39% | 12.95% | 12.77% | 12.78% | 13.03% | +64 bps | |
| Net Worth / Assets | 12.23% | 12.36% | 12.12% | 12.39% | 12.95% | 12.77% | 12.78% | 13.03% | +64 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 82.51% | 83.86% | 83.83% | 86.36% | 89.37% | 87.08% | 84.73% | 84.87% | -150 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |