Toccoa, GA · Charter 67395
NCUA · 5 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 under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
34
Asset Quality
67
Profitability
54
Liquidity
35
Efficiency
23
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.
Toccoa, GA · Charter 67395
NCUA · 5 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 | 1.38% | 1.23% | 0.94% | 0.94% | 0.90% | 0.76% | 0.41% | 0.58% | -36 bps | |
| Return on Equity | 11.68% | 10.46% | 8.31% | 8.18% | 7.77% | 6.68% | 3.60% | 5.17% | -300 bps | |
| Net Interest Margin | 4.82% | 4.72% | 4.49% | 4.60% | 4.57% | 4.52% | 4.58% | 4.44% | -15 bps | |
| Efficiency Ratio | 75.50% | 77.29% | 80.29% | 80.97% | 81.31% | 83.70% | 90.41% | 87.63% | +667 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.16% | 3.80% | 6.94% | 8.29% | 10.62% | 10.73% | 4.65% | 8.83% | +54 bps | |
| Loan Growth (YoY) | 8.85% | 7.11% | 5.72% | 8.74% | 8.60% | 8.47% | 7.62% | 4.67% | -407 bps | |
| Share Growth (YoY) | 2.42% | 2.57% | 6.48% | 7.70% | 11.46% | 8.93% | 4.83% | 9.31% | +161 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.45% | 0.48% | 0.46% | 0.47% | 0.47% | 0.48% | 0.46% | 0.39% | -8 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 | 11.79% | 11.74% | 11.33% | 11.50% | 11.53% | 11.36% | 11.46% | 11.15% | -35 bps | |
| Net Worth / Assets | 11.79% | 11.74% | 11.33% | 11.50% | 11.53% | 11.36% | 11.46% | 11.15% | -35 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 90.49% | 89.01% | 84.65% | 87.98% | 88.17% | 88.64% | 86.91% | 84.24% | -374 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Toccoa, GA · Charter 67395 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 5 branches
Q2 2026
Return on Assets
0.58%
Rank 1,045 of 1,683
Net Interest Margin
4.44%
Rank 355 of 1,683
Efficiency Ratio
87.64%
Rank 1,292 of 1,682
Equity / Assets
11.15%
Rank 1,119 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.58% | 0.35% | 0.74% | 1.18% | Beats 38% | 1,045 / 1,683 | ||
| Return on Equity | 5.17% | 2.67% | 5.89% | 8.74% | Beats 44% | 945 / 1,681 | ||
| Net Interest Margin | 4.44% | 3.31% | 3.82% | 4.32% | Beats 79% | 355 / 1,683 | ||
| Efficiency Ratio | 87.64% | 68.91% | 78.20% | 86.93% | Beats 23% | 1,292 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.39% | 0.26% | 0.65% | 1.29% | Beats 67% | 556 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.15% | 10.44% | 12.89% | 16.53% | Beats 34% | 1,119 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.15% | 10.44% | 12.89% | 16.53% | Beats 34% | 1,119 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 84.24% | 52.61% | 69.38% | 83.50% | 76th pctl | 397 / 1,683 | ||
| Loans / Assets | 73.31% | 44.71% | 59.18% | 70.72% | 81st pctl | 328 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||