Savannah, GA · Charter 67364
NCUA · 1 branch
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 | 1.45% | 1.37% | 1.76% | 1.43% | 1.31% | 0.46% | 0.50% | 0.57% | -85 bps | |
| Return on Equity | 10.12% | 9.38% | 11.85% | 9.29% | 8.26% | 2.91% | 3.34% | 3.81% | -548 bps | |
| Net Interest Margin | 4.98% | 5.03% | 5.39% | 5.26% | 5.38% | 5.51% | 5.29% | 5.27% | +1 bps | |
| Efficiency Ratio | 67.59% | 69.13% | 70.16% | 71.00% | 73.68% | 72.21% | 74.63% | 73.40% | +240 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.40% | -1.95% | 0.77% | -3.75% | -2.23% | -3.98% | 0.07% | 1.29% | +504 bps | |
| Loan Growth (YoY) | 11.34% | 8.93% | 12.59% | 13.62% | 7.64% | 6.52% | -0.42% | -4.16% | -1,778 bps | |
| Share Growth (YoY) | -5.97% | -2.71% | -1.29% | -5.97% | -3.93% | -4.94% | 0.53% | 2.28% | +825 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.03% | 5.13% | 3.16% | 5.84% | 4.50% | 3.88% | 1.75% | 5.80% | -3 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 | 14.30% | 14.64% | 14.82% | 15.37% | 15.85% | 15.66% | 14.89% | 15.05% | -32 bps | |
| Net Worth / Assets | 14.30% | 14.64% | 14.82% | 15.37% | 15.85% | 15.66% | 14.89% | 15.05% | -32 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 58.66% | 60.28% | 61.59% | 65.04% | 65.73% | 67.55% | 61.01% | 60.95% | -410 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |