Atlanta, GA · Charter 6053
NCUA · 4 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.16% | 0.19% | 0.11% | -1.19% | -0.58% | -74 bps | |
| Return on Equity | 1.72% | 1.98% | 1.13% | -13.08% | -6.05% | -777 bps | |
| Net Interest Margin | 2.22% | 2.29% | 2.31% | 2.34% | 2.44% | +22 bps | |
| Efficiency Ratio | 91.72% | 89.17% | 88.75% | 136.15% | 114.18% | +2,246 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.62% | -6.46% | 0.00% | 1.38% | -4.33% | +229 bps | |
| Loan Growth (YoY) | 14.60% | 17.78% | 7.27% | 7.44% | 1.73% | -1,287 bps | |
| Share Growth (YoY) | -0.55% | -3.72% | -2.89% | -4.61% | -7.36% | -681 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.79% | 1.01% | 0.77% | 0.64% | 0.71% | -8 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.48% | 9.48% | 9.43% | 9.12% | 9.61% | +13 bps | |
| Net Worth / Assets | 9.48% | 9.48% | 9.43% | 9.12% | 9.61% | +13 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 42.77% | 46.62% | 46.41% | 46.07% | 46.96% | +420 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |