Statesboro, GA · Charter 67371
NCUA · 5 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.43% | 0.43% | 0.68% | 0.77% | 0.81% | 0.77% | 0.83% | 0.89% | +12 bps | |
| Return on Equity | 3.46% | 3.46% | 5.61% | 6.28% | 6.44% | 6.11% | 6.64% | 6.95% | +67 bps | |
| Net Interest Margin | 3.90% | 3.92% | 4.01% | 4.07% | 4.15% | 4.15% | 3.98% | 4.06% | 0 bps | |
| Efficiency Ratio | 89.82% | 89.59% | 85.59% | 84.90% | 84.33% | 85.39% | 84.14% | 82.86% | -204 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.54% | 0.83% | 1.82% | 5.71% | 4.99% | 4.10% | 3.18% | 1.81% | -390 bps | |
| Loan Growth (YoY) | -5.26% | -5.59% | -3.68% | -0.85% | 1.16% | 3.90% | 5.53% | 4.69% | +554 bps | |
| Share Growth (YoY) | -3.48% | 1.11% | 1.80% | 6.12% | 4.32% | 3.24% | 2.29% | 1.42% | -470 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.57% | 0.44% | 0.37% | 0.37% | 0.38% | 0.33% | 0.32% | 0.37% | 0 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 | 12.53% | 12.46% | 12.20% | 12.21% | 12.58% | 12.68% | 12.57% | 12.75% | +55 bps | |
| Net Worth / Assets | 12.53% | 12.46% | 12.20% | 12.21% | 12.58% | 12.68% | 12.57% | 12.75% | +55 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 72.86% | 70.51% | 68.26% | 68.99% | 70.66% | 70.97% | 70.42% | 71.21% | +222 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |