Atlanta, GA · Charter 67505
NCUA · 2 branches
Q3 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2025, the quarter ended September 30, 2025, 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 in the Atlanta-Sandy Springs-Roswell, GA area (n=22). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
0
Asset Quality
5
Profitability
41
Liquidity
61
Efficiency
5
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.
Atlanta, GA · Charter 67505
NCUA · 2 branches
Q3 2025
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 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.27% | -1.55% | -13.73% | -9.00% | -7.96% | -10.29% | -5.13% | -4.47% | +454 bps | |
| Return on Equity | 3.13% | -18.11% | -430% | -275% | -315% | n/a | n/a | n/a | n/a | |
| Net Interest Margin | 4.52% | 4.88% | 4.05% | 5.02% | 5.09% | 4.22% | 4.41% | 4.38% | -63 bps | |
| Efficiency Ratio | 84.10% | 101.95% | 128.70% | 107.55% | 118.77% | 273% | 208% | 178.55% | +7,100 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.25% | -5.13% | -7.49% | -9.99% | -19.90% | -15.98% | -11.37% | -9.13% | +86 bps | |
| Loan Growth (YoY) | 19.44% | 2.44% | -5.96% | -9.86% | -17.16% | -23.30% | -23.91% | -26.25% | -1,638 bps | |
| Share Growth (YoY) | 5.37% | -1.65% | -1.34% | -2.21% | -12.85% | -9.42% | -8.67% | -6.24% | -404 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 7.12% | 10.68% | 11.90% | 11.44% | 10.33% | 10.98% | 11.60% | 14.03% | +258 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 | 0.84% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.65% | 8.54% | 3.19% | 3.27% | 2.53% | -0.07% | -0.13% | -0.86% | -413 bps | |
| Net Worth / Assets | 8.65% | 8.54% | 3.19% | 3.27% | 2.53% | -0.07% | -0.13% | -0.86% | -413 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 75.31% | 74.53% | 73.94% | 73.16% | 71.59% | 63.11% | 61.60% | 57.55% | -1,561 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Atlanta, GA · Charter 67505 · Peer group: credit unions under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (n=22)
NCUA · 2 branches
Q3 2025
Return on Assets
-4.47%
Rank 22 of 22
Net Interest Margin
4.38%
Rank 4 of 22
Efficiency Ratio
178.65%
Rank 22 of 22
Equity / Assets
-0.87%
Rank 22 of 22
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -4.47% | 0.20% | 0.55% | 1.17% | Beats 0% | 22 / 22 | ||
| Return on Equity | n/a | Not reported for this institution | ||||||
| Net Interest Margin | 4.38% | 3.24% | 3.67% | 4.26% | Beats 82% | 4 / 22 | ||
| Efficiency Ratio | 178.65% | 70.48% | 85.05% | 88.46% | Beats 5% | 22 / 22 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 14.02% | 0.20% | 0.73% | 1.17% | Beats 5% | 22 / 22 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | -0.86% | 10.46% | 11.89% | 14.30% | Beats 0% | 22 / 22 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | -0.87% | 10.46% | 11.89% | 14.30% | Beats 0% | 22 / 22 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 57.55% | 44.44% | 69.77% | 77.91% | 41st pctl | 13 / 22 | ||
| Loans / Assets | 58.33% | 36.63% | 60.87% | 69.57% | 41st pctl | 13 / 22 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||