Atlanta, GA · Charter 67383
NCUA · 1 branch
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 | 0.34% | 0.31% | 0.38% | 0.40% | 0.50% | 0.40% | -0.62% | -0.44% | -84 bps | |
| Return on Equity | 2.39% | 2.22% | 2.74% | 2.91% | 3.50% | 2.80% | -4.42% | -3.12% | -603 bps | |
| Net Interest Margin | 4.09% | 4.11% | 4.12% | 4.23% | 4.31% | 4.34% | 4.20% | 4.31% | +9 bps | |
| Efficiency Ratio | 89.07% | 89.85% | 92.07% | 91.07% | 90.25% | 90.09% | 95.82% | 94.87% | +380 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.55% | -1.80% | 2.62% | 3.01% | 2.90% | 1.33% | -2.22% | -3.09% | -609 bps | |
| Loan Growth (YoY) | 4.80% | 7.18% | 8.97% | 2.92% | 2.85% | -0.58% | -1.84% | -3.07% | -599 bps | |
| Share Growth (YoY) | -3.78% | -2.46% | 2.34% | 3.06% | 2.70% | 0.71% | -3.41% | -3.78% | -684 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.82% | 0.99% | 0.91% | 1.71% | 1.69% | 2.27% | 2.99% | 1.92% | +21 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 | 14.18% | 14.08% | 13.73% | 13.77% | 14.14% | 14.23% | 14.12% | 14.11% | +34 bps | |
| Net Worth / Assets | 14.18% | 14.08% | 13.73% | 13.77% | 14.14% | 14.23% | 14.12% | 14.11% | +34 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 69.67% | 70.97% | 68.07% | 67.16% | 69.77% | 70.06% | 69.17% | 67.65% | +49 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |