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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |