Warner Robins, GA · Charter 60825
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
6
Asset Quality
89
Profitability
71
Liquidity
49
Efficiency
39
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.
Warner Robins, GA · Charter 60825
NCUA · 1 branch
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 | 0.10% | 0.36% | 0.47% | 0.88% | 0.69% | +59 bps | |
| Return on Equity | 1.23% | 4.37% | 5.52% | 10.39% | 8.21% | +697 bps | |
| Net Interest Margin | 5.24% | 5.18% | 5.33% | 5.31% | 5.24% | 0 bps | |
| Efficiency Ratio | 96.81% | 92.36% | 89.47% | 82.39% | 82.06% | -1,475 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.32% | 7.43% | 4.05% | 8.83% | 9.35% | +967 bps | |
| Loan Growth (YoY) | 7.06% | 2.98% | 4.06% | 4.51% | -3.96% | -1,102 bps | |
| Share Growth (YoY) | -0.15% | 7.69% | 3.71% | 8.43% | 8.26% | +842 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.05% | 0.03% | 0.15% | 0.06% | 0.05% | +1 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 | 8.40% | 8.33% | 8.51% | 8.43% | 8.39% | -1 bps | |
| Net Worth / Assets | 8.40% | 8.33% | 8.51% | 8.43% | 8.39% | -1 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 91.40% | 87.49% | 86.17% | 84.10% | 81.08% | -1,032 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Warner Robins, GA · Charter 60825 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.69%
Rank 900 of 1,683
Net Interest Margin
5.25%
Rank 105 of 1,683
Efficiency Ratio
81.93%
Rank 1,032 of 1,682
Equity / Assets
8.39%
Rank 1,587 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.69% | 0.35% | 0.74% | 1.18% | Beats 47% | 900 / 1,683 | |
| Return on Equity | 8.20% | 2.67% | 5.89% | 8.74% | Beats 71% | 490 / 1,681 | |
| Net Interest Margin | 5.25% | 3.31% | 3.82% | 4.32% | Beats 94% | 105 / 1,683 | |
| Efficiency Ratio | 81.93% | 68.91% | 78.20% | 86.93% | Beats 39% | 1,032 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.05% | 0.26% | 0.65% | 1.29% | Beats 89% | 183 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 8.39% | 10.44% | 12.89% | 16.53% | Beats 6% | 1,587 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 8.39% | 10.44% | 12.89% | 16.53% | Beats 6% | 1,587 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 81.08% | 52.61% | 69.38% | 83.50% | 71st pctl | 484 / 1,683 | |
| Loans / Assets | 73.50% | 44.71% | 59.18% | 70.72% | 81st pctl | 323 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||