Hapeville, GA · Charter 61831
NCUA · 4 branches
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 | 0.13% | 0.15% | 0.09% | 0.13% | 0.20% | 0.19% | 0.40% | 0.66% | +53 bps | |
| Return on Equity | 0.96% | 1.05% | 0.71% | 0.95% | 1.48% | 1.38% | 2.98% | 4.88% | +393 bps | |
| Net Interest Margin | 3.61% | 3.68% | 3.56% | 3.62% | 3.72% | 3.82% | 3.82% | 3.87% | +25 bps | |
| Efficiency Ratio | 90.45% | 90.22% | 92.80% | 90.16% | 88.16% | 87.09% | 86.75% | 82.32% | -784 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.58% | 0.04% | 1.58% | 2.33% | 1.91% | 1.46% | -1.14% | 0.55% | -179 bps | |
| Loan Growth (YoY) | -3.65% | -4.22% | -4.66% | -2.02% | -0.26% | -0.70% | 0.95% | 5.77% | +779 bps | |
| Share Growth (YoY) | -0.44% | -0.26% | 1.38% | 2.20% | 1.76% | 1.62% | -1.61% | 0.50% | -170 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.77% | 2.42% | 1.44% | 1.84% | 2.21% | 2.31% | 2.03% | 1.94% | +10 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 | 13.68% | 13.86% | 13.21% | 13.22% | 13.50% | 13.73% | 13.51% | 13.48% | +26 bps | |
| Net Worth / Assets | 13.68% | 13.86% | 13.21% | 13.22% | 13.50% | 13.73% | 13.51% | 13.48% | +26 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 75.08% | 76.06% | 71.22% | 72.31% | 73.59% | 74.33% | 73.08% | 76.10% | +379 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |