Norcross, GA · Charter 67382
NCUA · 3 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (n=19). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
95
Asset Quality
100
Profitability
32
Liquidity
0
Efficiency
53
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Norcross, GA · Charter 67382
NCUA · 3 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.47% | 12.45% | 3.00% | -33.16% | 0.41% | -406 bps | |
| Return on Equity | 6.89% | 18.07% | 4.49% | -51.38% | 0.52% | -637 bps | |
| Net Interest Margin | 6.49% | 14.47% | 5.35% | -30.48% | 3.05% | -344 bps | |
| Efficiency Ratio | 33.28% | 14.53% | 41.57% | n/a | 83.29% | +5,000 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 94.08% | 111.09% | -0.81% | -9.81% | -8.47% | -10,255 bps | |
| Loan Growth (YoY) | -9.52% | -4.89% | -8.26% | -11.91% | -14.07% | -455 bps | |
| Share Growth (YoY) | -11.70% | -14.66% | -10.33% | -11.78% | -17.24% | -554 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 64.87% | 68.92% | 66.69% | 64.53% | 79.20% | +1,433 bps | |
| Net Worth / Assets | 64.87% | 68.92% | 66.69% | 64.53% | 79.20% | +1,433 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 35.57% | 38.30% | 37.26% | 35.82% | 36.93% | +136 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Norcross, GA · Charter 67382 · Peer group: credit unions under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (n=19)
NCUA · 3 branches
Q2 2026
Return on Assets
0.41%
Rank 12 of 19
Net Interest Margin
3.05%
Rank 14 of 19
Efficiency Ratio
83.22%
Rank 10 of 19
Equity / Assets
79.21%
Rank 1 of 19
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.41% | -0.11% | 0.66% | 1.27% | Beats 37% | 12 / 19 | |
| Return on Equity | 0.52% | -0.53% | 4.88% | 8.56% | Beats 32% | 13 / 19 | |
| Net Interest Margin | 3.05% | 3.04% | 3.58% | 4.03% | Beats 26% | 14 / 19 | |
| Efficiency Ratio | 83.22% | 67.29% | 83.22% | 91.36% | Beats 53% | 10 / 19 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.10% | 0.50% | 1.13% | Beats 100% | 3 / 19 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 79.21% | 10.58% | 12.87% | 17.85% | Beats 95% | 1 / 19 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 79.21% | 10.58% | 12.87% | 17.85% | Beats 95% | 1 / 19 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 36.92% | 41.38% | 66.89% | 77.97% | 5th pctl | 18 / 19 | |
| Loans / Assets | 11.69% | 33.12% | 56.90% | 65.75% | 0th pctl | 19 / 19 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||