PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Core

Statesboro, GA · Charter 67371

NCUA · 5 branches

Q2 2026

$151.6MAssets
$92.8MLoans
$130.3MShares
$19.3MNet 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 0.89%, up 12 bps year over year; NIM at 4.06%.
  • Asset quality: problem loans at 0.37% of loans (0 bps YoY).
  • Capital: net worth / assets of 12.75%, up 55 bps from a year ago.
  • Funding: loans stand at 71.21% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.89%+12 bps YoY

Net Interest Margin (quarter, annualized)

4.06%0 bps YoY

Efficiency Ratio (quarter, annualized)

82.86%-204 bps YoY

Net Worth / Assets

12.75%+55 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.77%0.81%0.77%0.83%0.89%+12 bps
Return on Equity6.28%6.44%6.11%6.64%6.95%+67 bps
Net Interest Margin4.07%4.15%4.15%3.98%4.06%0 bps
Efficiency Ratio84.90%84.33%85.39%84.14%82.86%-204 bps
Growth
Asset Growth (YoY)5.71%4.99%4.10%3.18%1.81%-390 bps
Loan Growth (YoY)-0.85%1.16%3.90%5.53%4.69%+554 bps
Share Growth (YoY)6.12%4.32%3.24%2.29%1.42%-470 bps
Asset Quality
Delinquent Loans / Loans0.37%0.38%0.33%0.32%0.37%0 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 Capital12.21%12.58%12.68%12.57%12.75%+55 bps
Net Worth / Assets12.21%12.58%12.68%12.57%12.75%+55 bps
Liquidity & Funding
Loans / Shares68.99%70.66%70.97%70.42%71.21%+222 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps