Coosa, GA · Charter 60707
NCUA · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
94
Asset Quality
60
Profitability
70
Liquidity
0
Efficiency
95
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Coosa, GA · Charter 60707
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 | 0.92% | 0.97% | 1.18% | 1.23% | 1.42% | 1.41% | 1.95% | 1.88% | +65 bps | |
| Return on Equity | 3.96% | 4.04% | 4.93% | 5.51% | 5.97% | 5.84% | 7.99% | 7.61% | +210 bps | |
| Net Interest Margin | 3.30% | 3.44% | 3.70% | 3.29% | 3.47% | 3.54% | 3.78% | 3.83% | +54 bps | |
| Efficiency Ratio | 69.46% | 70.71% | 66.70% | 61.68% | 59.11% | 61.45% | 53.43% | 53.47% | -821 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.13% | -0.79% | -2.01% | 6.29% | 3.31% | 5.99% | 5.04% | -3.29% | -958 bps | |
| Loan Growth (YoY) | 0.16% | 1.54% | 1.49% | 6.35% | 4.22% | 5.06% | 7.21% | 3.69% | -266 bps | |
| Share Growth (YoY) | -3.82% | -2.26% | -3.83% | 6.68% | 2.56% | 5.97% | 4.45% | -6.37% | -1,305 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.29% | 0.70% | 0.43% | 0.43% | 0.18% | 0.19% | 0.21% | 0.49% | +5 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 | 23.27% | 24.07% | 23.92% | 22.26% | 23.84% | 24.12% | 24.37% | 24.71% | +245 bps | |
| Net Worth / Assets | 23.27% | 24.07% | 23.92% | 22.26% | 23.84% | 24.12% | 24.37% | 24.71% | +245 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 93.51% | 97.42% | 94.97% | 87.96% | 95.02% | 96.58% | 97.47% | 97.41% | +945 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Coosa, GA · Charter 60707 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
1.88%
Rank 99 of 1,683
Net Interest Margin
3.82%
Rank 838 of 1,683
Efficiency Ratio
53.46%
Rank 93 of 1,682
Equity / Assets
24.71%
Rank 108 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.88% | 0.35% | 0.74% | 1.18% | Beats 94% | 99 / 1,683 | ||
| Return on Equity | 7.62% | 2.67% | 5.89% | 8.74% | Beats 66% | 568 / 1,681 | ||
| Net Interest Margin | 3.82% | 3.31% | 3.82% | 4.32% | Beats 50% | 838 / 1,683 | ||
| Efficiency Ratio | 53.46% | 68.91% | 78.20% | 86.93% | Beats 95% | 93 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.49% | 0.26% | 0.65% | 1.29% | Beats 60% | 673 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 24.71% | 10.44% | 12.89% | 16.53% | Beats 94% | 108 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 24.71% | 10.44% | 12.89% | 16.53% | Beats 94% | 108 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 97.41% | 52.61% | 69.38% | 83.50% | 95th pctl | 84 / 1,683 | ||
| Loans / Assets | 73.20% | 44.71% | 59.18% | 70.72% | 80th pctl | 332 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||