Macon, GA · Charter 67367
NCUA · 5 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 | 1.51% | 1.59% | 1.81% | 1.79% | 1.85% | 1.71% | 1.85% | 1.91% | +12 bps | |
| Return on Equity | 7.39% | 7.62% | 8.83% | 8.40% | 8.44% | 7.86% | 8.47% | 8.62% | +22 bps | |
| Net Interest Margin | 3.43% | 3.49% | 3.66% | 3.81% | 3.93% | 3.87% | 3.89% | 3.94% | +13 bps | |
| Efficiency Ratio | 73.44% | 72.37% | 67.99% | 68.05% | 67.29% | 69.07% | 71.62% | 71.32% | +327 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.75% | -1.20% | -0.48% | 0.67% | 1.93% | 4.33% | 2.02% | 4.34% | +367 bps | |
| Loan Growth (YoY) | -0.67% | 2.72% | 6.08% | 6.42% | 6.79% | 4.00% | 1.95% | 2.14% | -428 bps | |
| Share Growth (YoY) | -2.05% | -0.99% | -1.84% | -0.64% | -0.39% | 2.66% | 0.29% | 2.05% | +269 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.69% | 0.90% | 0.74% | 0.89% | 0.59% | 0.48% | 0.32% | 0.52% | -37 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 | 20.43% | 20.91% | 20.51% | 21.31% | 21.88% | 21.75% | 21.79% | 22.20% | +88 bps | |
| Net Worth / Assets | 20.43% | 20.91% | 20.51% | 21.31% | 21.88% | 21.75% | 21.79% | 22.20% | +88 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 49.55% | 52.02% | 49.97% | 51.87% | 53.12% | 52.70% | 50.80% | 51.91% | +4 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |