PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

CGR

Macon, GA · Charter 67367

NCUA · 5 branches

Q2 2026

$120.0MAssets
$46.7MLoans
$90.0MShares
$26.6MNet 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 1.91%, up 12 bps year over year; NIM at 3.94%.
  • Asset quality: problem loans at 0.52% of loans (-37 bps YoY).
  • Capital: net worth / assets of 22.20%, up 88 bps from a year ago.
  • Funding: loans stand at 51.91% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.91%+12 bps YoY

Net Interest Margin (YTD, annualized)

3.94%+13 bps YoY

Efficiency Ratio (YTD, annualized)

71.32%+327 bps YoY

Net Worth / Assets

22.20%+88 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.79%1.85%1.71%1.85%1.91%+12 bps
Return on Equity8.40%8.44%7.86%8.47%8.62%+22 bps
Net Interest Margin3.81%3.93%3.87%3.89%3.94%+13 bps
Efficiency Ratio68.05%67.29%69.07%71.62%71.32%+327 bps
Growth
Asset Growth (YoY)0.67%1.93%4.33%2.02%4.34%+367 bps
Loan Growth (YoY)6.42%6.79%4.00%1.95%2.14%-428 bps
Share Growth (YoY)-0.64%-0.39%2.66%0.29%2.05%+269 bps
Asset Quality
Delinquent Loans / Loans0.89%0.59%0.48%0.32%0.52%-37 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 Capital21.31%21.88%21.75%21.79%22.20%+88 bps
Net Worth / Assets21.31%21.88%21.75%21.79%22.20%+88 bps
Liquidity & Funding
Loans / Shares51.87%53.12%52.70%50.80%51.91%+4 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps