Atlanta, GA · Charter 66357
NCUA · 35 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 | 0.41% | 0.44% | 0.83% | 0.88% | 0.83% | 0.79% | 0.98% | 1.17% | +28 bps | |
| Return on Equity | 3.44% | 3.69% | 7.09% | 7.33% | 6.75% | 6.45% | 8.06% | 9.29% | +196 bps | |
| Net Interest Margin | 2.62% | 2.67% | 2.90% | 3.05% | 3.15% | 3.19% | 3.35% | 3.43% | +38 bps | |
| Efficiency Ratio | 83.20% | 82.37% | 77.96% | 76.20% | 75.97% | 77.42% | 71.51% | 70.16% | -604 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.50% | -0.05% | 3.21% | 2.75% | 2.47% | 3.21% | 2.60% | 3.24% | +48 bps | |
| Loan Growth (YoY) | 0.12% | 1.00% | 1.22% | 4.74% | 8.04% | 9.77% | 12.92% | 13.74% | +900 bps | |
| Share Growth (YoY) | 1.56% | 4.72% | 4.03% | 2.76% | 2.46% | 1.68% | 1.50% | 2.38% | -38 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.28% | 0.30% | 0.18% | 0.22% | 0.28% | 0.29% | 0.18% | 0.22% | 0 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 | 11.82% | 11.87% | 11.74% | 12.07% | 12.24% | 12.26% | 12.22% | 12.58% | +51 bps | |
| Net Worth / Assets | 11.82% | 11.87% | 11.74% | 12.07% | 12.24% | 12.26% | 12.22% | 12.58% | +51 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 74.33% | 73.78% | 71.24% | 75.33% | 78.38% | 79.65% | 79.25% | 83.68% | +836 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |