Toccoa, GA · Charter 67395
NCUA · 5 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |