PackageTrendsPeer
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Georgia's Own

Atlanta, GA · Charter 67390

NCUA · 30 branches

Q2 2026

$4.2BAssets
$3.2BLoans
$3.6BShares
$421.2MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -1.12%, down 170 bps year over year; NIM at 3.41%.
  • Asset quality: problem loans at 1.15% of loans (-49 bps YoY).
  • Capital: net worth / assets of 9.99%, down 50 bps from a year ago.
  • Funding: loans stand at 88.25% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-1.12%-170 bps YoY

Net Interest Margin (YTD, annualized)

3.41%-16 bps YoY

Efficiency Ratio (YTD, annualized)

68.79%-207 bps YoY

Net Worth / Assets

9.99%-50 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.58%0.55%0.48%-0.37%-1.12%-170 bps
Return on Equity5.55%5.23%4.65%-3.68%-11.20%-1,675 bps
Net Interest Margin3.56%3.62%3.56%3.25%3.41%-16 bps
Efficiency Ratio70.86%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 / Loans1.64%1.76%1.98%1.69%1.15%-49 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.48%10.51%10.39%10.18%9.99%-50 bps
Net Worth / Assets10.48%10.51%10.39%10.18%9.99%-50 bps
Liquidity & Funding
Loans / Shares92.46%88.60%85.95%86.69%88.25%-420 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps