Atlanta, GA · Charter 67390
NCUA · 30 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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
30
Asset Quality
20
Profitability
17
Liquidity
99
Efficiency
60
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.
Atlanta, GA · Charter 67390
NCUA · 30 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 | 0.58% | 0.55% | 0.48% | -0.37% | -1.12% | -170 bps | |
| Return on Equity | 5.55% | 5.23% | 4.65% | -3.68% | -11.20% | -1,675 bps | |
| Net Interest Margin | 3.56% | 3.62% | 3.56% | 3.25% | 3.41% | -16 bps | |
| Efficiency Ratio | 70.86% | 69.32% | 70.29% | 67.82% | 68.79% | -207 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.44% | 2.21% | 4.73% | 1.86% | -1.71% | -315 bps | |
| Loan Growth (YoY) | 7.48% | 3.60% | -2.97% | -1.57% | -4.09% | -1,157 bps | |
| Share Growth (YoY) | 0.40% | 2.13% | 2.50% | 2.85% | 0.48% | +8 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.64% | 1.76% | 1.98% | 1.69% | 1.15% | -49 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 | 10.48% | 10.51% | 10.39% | 10.18% | 9.99% | -50 bps | |
| Net Worth / Assets | 10.48% | 10.51% | 10.39% | 10.18% | 9.99% | -50 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 92.46% | 88.60% | 85.95% | 86.69% | 88.25% | -420 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Atlanta, GA · Charter 67390 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 30 branches
Q2 2026
Return on Assets
-1.12%
Rank 433 of 435
Net Interest Margin
3.40%
Rank 215 of 435
Efficiency Ratio
68.79%
Rank 176 of 435
Equity / Assets
9.99%
Rank 305 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.12% | 0.55% | 0.81% | 1.14% | Beats 0% | 433 / 435 | |
| Return on Equity | -11.20% | 5.12% | 7.41% | 9.70% | Beats 0% | 433 / 435 | |
| Net Interest Margin | 3.40% | 3.01% | 3.39% | 3.75% | Beats 51% | 215 / 435 | |
| Efficiency Ratio | 68.79% | 65.25% | 71.39% | 77.86% | Beats 60% | 176 / 435 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.15% | 0.45% | 0.69% | 1.05% | Beats 20% | 347 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 9.99% | 9.81% | 10.84% | 12.63% | Beats 30% | 305 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 9.99% | 9.81% | 10.84% | 12.63% | Beats 30% | 305 / 435 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 88.25% | 78.33% | 88.38% | 95.61% | 50th pctl | 219 / 435 | |
| Loans / Assets | 75.05% | 67.69% | 74.58% | 80.80% | 52nd pctl | 210 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||