Atlanta, GA · Charter 6053
NCUA · 4 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 | 0.00% | 0.06% | 0.13% | 0.16% | 0.19% | 0.11% | -1.19% | -0.58% | -74 bps | |
| Return on Equity | 0.02% | 0.60% | 1.35% | 1.72% | 1.98% | 1.13% | -13.08% | -6.05% | -777 bps | |
| Net Interest Margin | 1.69% | 1.84% | 2.12% | 2.22% | 2.29% | 2.31% | 2.34% | 2.44% | +22 bps | |
| Efficiency Ratio | 99.25% | 96.53% | 94.07% | 91.72% | 89.17% | 88.75% | 136.15% | 114.18% | +2,246 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.20% | -5.33% | -7.41% | -6.62% | -6.46% | 0.00% | 1.38% | -4.33% | +229 bps | |
| Loan Growth (YoY) | 0.67% | 7.99% | 6.97% | 14.60% | 17.78% | 7.27% | 7.44% | 1.73% | -1,287 bps | |
| Share Growth (YoY) | -2.68% | -2.05% | -1.29% | -0.55% | -3.72% | -2.89% | -4.61% | -7.36% | -681 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.59% | 1.23% | 0.81% | 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 | 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 | 8.71% | 9.35% | 9.50% | 9.48% | 9.48% | 9.43% | 9.12% | 9.61% | +13 bps | |
| Net Worth / Assets | 8.71% | 9.35% | 9.50% | 9.48% | 9.48% | 9.43% | 9.12% | 9.61% | +13 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 38.11% | 42.01% | 40.91% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |