Atlanta, GA · Charter 67389
NCUA · 12 branches
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 | -0.52% | -0.35% | 0.05% | -0.22% | -0.26% | -0.08% | 0.55% | 0.48% | +70 bps | |
| Return on Equity | -3.71% | -2.50% | 0.39% | -1.66% | -2.00% | -0.64% | 4.17% | 3.46% | +512 bps | |
| Net Interest Margin | 1.64% | 1.75% | 2.25% | 2.33% | 2.43% | 2.56% | 3.00% | 3.14% | +80 bps | |
| Efficiency Ratio | 107.33% | 99.83% | 84.14% | 78.45% | 74.99% | 73.42% | 71.07% | 72.51% | -594 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.32% | -1.71% | -1.23% | 2.28% | 7.27% | 5.84% | 4.33% | -1.95% | -422 bps | |
| Loan Growth (YoY) | 4.15% | 8.66% | 10.45% | 12.75% | 16.45% | 10.26% | 8.97% | 4.81% | -794 bps | |
| Share Growth (YoY) | -2.89% | -3.29% | -3.20% | -0.46% | 5.33% | 5.09% | 3.27% | -0.67% | -21 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.58% | 0.76% | 0.57% | 0.77% | 0.81% | 1.02% | 0.94% | 1.03% | +26 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 | 13.97% | 13.94% | 13.80% | 13.36% | 12.81% | 13.03% | 13.22% | 13.83% | +47 bps | |
| Net Worth / Assets | 13.97% | 13.94% | 13.80% | 13.36% | 12.81% | 13.03% | 13.22% | 13.83% | +47 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.07% | 85.27% | 85.39% | 86.86% | 89.63% | 89.47% | 90.10% | 91.65% | +479 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |