Lake Park, GA · Charter 67403
NCUA · 2 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
93
Asset Quality
43
Profitability
54
Liquidity
66
Efficiency
47
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.
Lake Park, GA · Charter 67403
NCUA · 2 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 | 1.20% | 1.34% | 1.62% | 1.31% | 8.71% | 6.81% | 0.77% | 0.95% | -37 bps | |
| Return on Equity | 8.77% | 9.58% | 11.26% | 8.64% | 41.30% | 31.77% | 3.54% | 3.99% | -465 bps | |
| Net Interest Margin | 4.02% | 3.93% | 3.76% | 3.92% | 3.90% | 3.91% | 3.60% | 4.11% | +19 bps | |
| Efficiency Ratio | 73.53% | 71.23% | 66.39% | 71.92% | 32.80% | 37.12% | 80.76% | 79.22% | +730 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -12.76% | -7.91% | -5.67% | -6.29% | -2.93% | -4.25% | -4.48% | -8.35% | -207 bps | |
| Loan Growth (YoY) | -6.37% | -9.66% | -8.46% | -7.39% | -6.63% | -3.73% | -5.80% | -10.63% | -325 bps | |
| Share Growth (YoY) | -15.76% | -10.78% | -8.61% | -8.99% | -10.83% | -12.03% | -12.01% | -17.09% | -810 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.58% | 0.05% | 0.00% | 0.06% | 0.02% | 1.60% | 0.77% | 0.79% | +73 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 | 13.68% | 13.99% | 14.40% | 15.19% | 21.10% | 21.42% | 21.66% | 23.71% | +853 bps | |
| Net Worth / Assets | 13.68% | 13.99% | 14.40% | 15.19% | 21.10% | 21.42% | 21.66% | 23.71% | +853 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 72.97% | 69.51% | 68.69% | 71.47% | 76.41% | 76.06% | 73.53% | 77.04% | +557 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Lake Park, GA · Charter 67403 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
0.94%
Rank 638 of 1,683
Net Interest Margin
4.11%
Rank 587 of 1,683
Efficiency Ratio
79.14%
Rank 889 of 1,682
Equity / Assets
23.71%
Rank 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 | 0.94% | 0.35% | 0.74% | 1.18% | Beats 62% | 638 / 1,683 | ||
| Return on Equity | 3.98% | 2.67% | 5.89% | 8.74% | Beats 35% | 1,095 / 1,681 | ||
| Net Interest Margin | 4.11% | 3.31% | 3.82% | 4.32% | Beats 65% | 587 / 1,683 | ||
| Efficiency Ratio | 79.14% | 68.91% | 78.20% | 86.93% | Beats 47% | 889 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.79% | 0.26% | 0.65% | 1.29% | Beats 43% | 955 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 23.71% | 10.44% | 12.89% | 16.53% | Beats 93% | 119 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 23.71% | 10.44% | 12.89% | 16.53% | Beats 93% | 119 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 77.04% | 52.61% | 69.38% | 83.50% | 64th pctl | 603 / 1,683 | ||
| Loans / Assets | 58.55% | 44.71% | 59.18% | 70.72% | 49th pctl | 864 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||