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 | |