Atlanta, GA · Charter 67390
NCUA · 30 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 | 0.29% | -0.34% | 0.58% | 0.58% | 0.55% | 0.48% | -0.37% | -1.12% | -170 bps | |
| Return on Equity | 2.68% | -3.25% | 5.54% | 5.55% | 5.23% | 4.65% | -3.68% | -11.20% | -1,675 bps | |
| Net Interest Margin | 3.36% | 3.42% | 3.42% | 3.56% | 3.62% | 3.56% | 3.25% | 3.41% | -16 bps | |
| Efficiency Ratio | 75.35% | 78.50% | 72.20% | 70.86% | 69.32% | 70.29% | 67.82% | 68.79% | -207 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.91% | -2.26% | -1.40% | 1.44% | 2.21% | 4.73% | 1.86% | -1.71% | -315 bps | |
| Loan Growth (YoY) | -7.42% | 0.39% | 4.85% | 7.48% | 3.60% | -2.97% | -1.57% | -4.09% | -1,157 bps | |
| Share Growth (YoY) | -0.24% | 3.26% | 0.47% | 0.40% | 2.13% | 2.50% | 2.85% | 0.48% | +8 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.94% | 1.89% | 1.64% | 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 | 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 | 10.95% | 10.45% | 10.43% | 10.48% | 10.51% | 10.39% | 10.18% | 9.99% | -50 bps | |
| Net Worth / Assets | 10.95% | 10.45% | 10.43% | 10.48% | 10.51% | 10.39% | 10.18% | 9.99% | -50 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 87.35% | 90.80% | 90.59% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |