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Genuine Parts

Norcross, GA · Charter 67382

NCUA · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area3

Basis

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.

Peer group

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.

Peer standing

Capital

95

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

32

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

53

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Genuine Parts

Norcross, GA · Charter 67382

NCUA · 3 branches

Q2 2026

$19.5MAssets
$2.3MLoans
$6.2MShares
$15.4MNet Worth

Executive Summary

  • Earnings: ROA of 0.41%, down 406 bps year over year; NIM at 3.05%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 79.20%, up 1,433 bps from a year ago.
  • Funding: loans stand at 36.93% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.41%-406 bps YoY

Net Interest Margin (YTD, annualized)

3.05%-344 bps YoY

Efficiency Ratio (YTD, annualized)

83.29%+5,000 bps YoY

Net Worth / Assets

79.20%+1,433 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.25%0.63%4.75%4.47%12.45%3.00%-33.16%0.41%-406 bps
Return on Equity-1.08%1.00%7.43%6.89%18.07%4.49%-51.38%0.52%-637 bps
Net Interest Margin5.33%3.28%6.83%6.49%14.47%5.35%-30.48%3.05%-344 bps
Efficiency Ratio100.64%77.93%33.21%33.28%14.53%41.57%n/a83.29%+5,000 bps
Growth
Asset Growth (YoY)-16.85%69.62%87.99%94.08%111.09%-0.81%-9.81%-8.47%-10,255 bps
Loan Growth (YoY)-12.14%-12.75%-12.31%-9.52%-4.89%-8.26%-11.91%-14.07%-455 bps
Share Growth (YoY)-20.60%-17.99%-13.37%-11.70%-14.66%-10.33%-11.78%-17.24%-554 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital23.24%63.26%64.00%64.87%68.92%66.69%64.53%79.20%+1,433 bps
Net Worth / Assets23.24%63.26%64.00%64.87%68.92%66.69%64.53%79.20%+1,433 bps
Liquidity & Funding
Loans / Shares34.36%36.42%35.88%35.57%38.30%37.26%35.82%36.93%+136 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Genuine Parts

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

$19.5MAssets
$2.3MLoans
$6.2MShares
$15.4MNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of credit unions under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (rank 3 of 19).
  • Widest gap: net interest margin trails 74% of credit unions under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (rank 14 of 19).
  • Overall: at or above the peer median on 4 of 7 directional measures.

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

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.41%-0.11%0.66%1.27%Beats 37%12 / 19
Return on Equity0.52%-0.53%4.88%8.56%Beats 32%13 / 19
Net Interest Margin3.05%3.04%3.58%4.03%Beats 26%14 / 19
Efficiency Ratio83.22%67.29%83.22%91.36%Beats 53%10 / 19
Asset Quality
Nonperforming Loans / Loans0.00%0.10%0.50%1.13%Beats 100%3 / 19
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio79.21%10.58%12.87%17.85%Beats 95%1 / 19
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets79.21%10.58%12.87%17.85%Beats 95%1 / 19
Liquidity & Funding
Loans / Deposits36.92%41.38%66.89%77.97%5th pctl18 / 19
Loans / Assets11.69%33.12%56.90%65.75%0th pctl19 / 19
Brokered Deposits / Depositsn/aNot reported for this institution