Atlanta, GA · Charter 67505
NCUA · 2 branches
Q3 2025
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -9.00% | -7.96% | -10.29% | -5.13% | -4.47% | +454 bps | |
| Return on Equity | -275% | -315% | n/a | n/a | n/a | n/a | |
| Net Interest Margin | 5.02% | 5.09% | 4.22% | 4.41% | 4.38% | -63 bps | |
| Efficiency Ratio | 107.55% | 118.77% | 273% | 208% | 178.55% | +7,100 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -9.99% | -19.90% | -15.98% | -11.37% | -9.13% | +86 bps | |
| Loan Growth (YoY) | -9.86% | -17.16% | -23.30% | -23.91% | -26.25% | -1,638 bps | |
| Share Growth (YoY) | -2.21% | -12.85% | -9.42% | -8.67% | -6.24% | -404 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 3.27% | 2.53% | -0.07% | -0.13% | -0.86% | -413 bps | |
| Net Worth / Assets | 3.27% | 2.53% | -0.07% | -0.13% | -0.86% | -413 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |