PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Rig Employees

Macon, GA · Charter 60582

NCUA · 1 branch

Q2 2026

$5.9MAssets
$2.3MLoans
$3.3MShares
$2.6MNet 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 1.55%, down 32 bps year over year; NIM at 4.48%.
  • Asset quality: problem loans at 3.24% of loans (+166 bps YoY).
  • Capital: net worth / assets of 43.82%, up 306 bps from a year ago.
  • Funding: loans stand at 70.38% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.55%-32 bps YoY

Net Interest Margin (YTD, annualized)

4.48%+2 bps YoY

Efficiency Ratio (YTD, annualized)

66.84%+698 bps YoY

Net Worth / Assets

43.82%+306 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.87%1.97%2.21%1.51%1.55%-32 bps
Return on Equity4.58%4.87%5.18%3.51%3.53%-105 bps
Net Interest Margin4.46%4.44%4.61%4.44%4.48%+2 bps
Efficiency Ratio59.85%54.97%54.39%67.22%66.84%+698 bps
Growth
Asset Growth (YoY)-4.07%-0.15%-3.44%-0.75%-2.43%+164 bps
Loan Growth (YoY)-16.61%-11.78%-6.31%-6.35%-5.24%+1,137 bps
Share Growth (YoY)-8.92%-3.37%-9.45%-5.10%-7.62%+130 bps
Asset Quality
Delinquent Loans / Loans1.58%3.29%5.30%2.92%3.24%+166 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 Capital40.76%40.57%42.70%43.01%43.82%+306 bps
Net Worth / Assets40.76%40.57%42.70%43.01%43.82%+306 bps
Liquidity & Funding
Loans / Shares68.61%67.22%71.50%68.80%70.38%+177 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps