PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Southern Pine

Lake Park, GA · Charter 67403

NCUA · 2 branches

Q2 2026

$27.6MAssets
$16.1MLoans
$20.9MShares
$6.5MNet 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 0.95%, down 37 bps year over year; NIM at 4.11%.
  • Asset quality: problem loans at 0.79% of loans (+73 bps YoY).
  • Capital: net worth / assets of 23.71%, up 853 bps from a year ago.
  • Funding: loans stand at 77.04% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.95%-37 bps YoY

Net Interest Margin (YTD, annualized)

4.11%+19 bps YoY

Efficiency Ratio (YTD, annualized)

79.22%+730 bps YoY

Net Worth / Assets

23.71%+853 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.31%8.71%6.81%0.77%0.95%-37 bps
Return on Equity8.64%41.30%31.77%3.54%3.99%-465 bps
Net Interest Margin3.92%3.90%3.91%3.60%4.11%+19 bps
Efficiency Ratio71.92%32.80%37.12%80.76%79.22%+730 bps
Growth
Asset Growth (YoY)-6.29%-2.93%-4.25%-4.48%-8.35%-207 bps
Loan Growth (YoY)-7.39%-6.63%-3.73%-5.80%-10.63%-325 bps
Share Growth (YoY)-8.99%-10.83%-12.03%-12.01%-17.09%-810 bps
Asset Quality
Delinquent Loans / Loans0.06%0.02%1.60%0.77%0.79%+73 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 Capital15.19%21.10%21.42%21.66%23.71%+853 bps
Net Worth / Assets15.19%21.10%21.42%21.66%23.71%+853 bps
Liquidity & Funding
Loans / Shares71.47%76.41%76.06%73.53%77.04%+557 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps