PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Combined Employees

Warner Robins, GA · Charter 60825

NCUA · 1 branch

Q2 2026

$18.3MAssets
$13.5MLoans
$16.6MShares
$1.5MNet Worth

Executive Summary

  • Earnings: ROA of 0.69%, up 59 bps year over year; NIM at 5.24%.
  • Asset quality: problem loans at 0.05% of loans (+1 bps YoY).
  • Capital: net worth / assets of 8.39%, down 1 bps from a year ago.
  • Funding: loans stand at 81.08% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.69%+59 bps YoY

Net Interest Margin (YTD, annualized)

5.24%0 bps YoY

Efficiency Ratio (YTD, annualized)

82.06%-1,475 bps YoY

Net Worth / Assets

8.39%-1 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.29%-0.09%-0.11%0.10%0.36%0.47%0.88%0.69%+59 bps
Return on Equity-3.39%-1.03%-1.28%1.23%4.37%5.52%10.39%8.21%+697 bps
Net Interest Margin5.09%5.01%5.07%5.24%5.18%5.33%5.31%5.24%0 bps
Efficiency Ratio93.74%92.59%101.05%96.81%92.36%89.47%82.39%82.06%-1,475 bps
Growth
Asset Growth (YoY)4.57%6.36%1.30%-0.32%7.43%4.05%8.83%9.35%+967 bps
Loan Growth (YoY)10.46%3.12%4.03%7.06%2.98%4.06%4.51%-3.96%-1,102 bps
Share Growth (YoY)5.02%7.16%1.49%-0.15%7.69%3.71%8.43%8.26%+842 bps
Asset Quality
Delinquent Loans / Loans0.01%0.02%0.00%0.05%0.03%0.15%0.06%0.05%+1 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital8.59%8.40%8.45%8.40%8.33%8.51%8.43%8.39%-1 bps
Net Worth / Assets8.59%8.40%8.45%8.40%8.33%8.51%8.43%8.39%-1 bps
Liquidity & Funding
Loans / Shares91.49%85.88%87.26%91.40%87.49%86.17%84.10%81.08%-1,032 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps