PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Glynn County Federal Employees

Brunswick, GA · Charter 67354

NCUA · 1 branch

Q2 2026

$23.0MAssets
$14.7MLoans
$17.1MShares
$4.4MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.57%, down 130 bps year over year; NIM at 4.09%.
  • Asset quality: problem loans at 2.54% of loans (+131 bps YoY).
  • Capital: net worth / assets of 19.23%, up 27 bps from a year ago.
  • Funding: loans stand at 85.79% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.57%-130 bps YoY

Net Interest Margin (quarter, annualized)

4.09%+26 bps YoY

Efficiency Ratio (quarter, annualized)

84.53%+1,931 bps YoY

Net Worth / Assets

19.23%+27 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.87%1.50%1.47%-0.03%0.57%-130 bps
Return on Equity9.88%7.77%7.28%-0.14%2.96%-692 bps
Net Interest Margin3.83%3.99%4.20%3.96%4.09%+26 bps
Efficiency Ratio65.22%70.51%70.67%97.07%84.53%+1,931 bps
Growth
Asset Growth (YoY)-1.37%-0.48%4.81%1.95%2.60%+397 bps
Loan Growth (YoY)-1.22%1.16%3.46%6.03%6.40%+762 bps
Share Growth (YoY)-0.53%-3.62%1.22%-1.97%-4.44%-391 bps
Asset Quality
Delinquent Loans / Loans1.23%1.57%2.31%3.30%2.54%+131 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital18.96%19.30%20.20%19.40%19.23%+27 bps
Net Worth / Assets18.96%19.30%20.20%19.40%19.23%+27 bps
Liquidity & Funding
Loans / Shares77.05%79.97%87.04%82.42%85.79%+874 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps