Decatur, GA · Charter 67538
NCUA · 15 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 in the Atlanta-Sandy Springs-Roswell, GA area (n=19). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
37
Asset Quality
74
Profitability
44
Liquidity
42
Efficiency
68
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.
Decatur, GA · Charter 67538
NCUA · 15 branches
Q2 2026
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.46% | 0.55% | 0.72% | 0.71% | 0.80% | +33 bps | |
| Return on Equity | 4.15% | 4.79% | 6.21% | 6.16% | 6.79% | +264 bps | |
| Net Interest Margin | 2.80% | 2.86% | 2.89% | 2.92% | 3.00% | +19 bps | |
| Efficiency Ratio | 81.94% | 80.59% | 77.46% | 78.51% | 76.64% | -530 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.60% | 1.07% | -0.46% | 1.44% | 3.18% | +158 bps | |
| Loan Growth (YoY) | 0.61% | 0.37% | 3.69% | 4.77% | 6.31% | +570 bps | |
| Share Growth (YoY) | 1.17% | 0.28% | -1.20% | 0.74% | 2.95% | +177 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.12% | 0.20% | 0.30% | 0.12% | 0.20% | +7 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 | 11.20% | 11.42% | 11.66% | 11.50% | 11.73% | +53 bps | |
| Net Worth / Assets | 11.20% | 11.42% | 11.66% | 11.50% | 11.73% | +53 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 75.51% | 75.73% | 78.14% | 76.20% | 77.97% | +247 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Decatur, GA · Charter 67538 · Peer group: credit unions under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (n=19)
NCUA · 15 branches
Q2 2026
Return on Assets
0.80%
Rank 8 of 19
Net Interest Margin
3.00%
Rank 17 of 19
Efficiency Ratio
76.63%
Rank 7 of 19
Equity / Assets
11.73%
Rank 12 of 19
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.80% | -0.11% | 0.66% | 1.27% | Beats 58% | 8 / 19 | |
| Return on Equity | 6.79% | -0.53% | 4.88% | 8.56% | Beats 63% | 7 / 19 | |
| Net Interest Margin | 3.00% | 3.04% | 3.58% | 4.03% | Beats 11% | 17 / 19 | |
| Efficiency Ratio | 76.63% | 67.29% | 83.22% | 91.36% | Beats 68% | 7 / 19 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.20% | 0.10% | 0.50% | 1.13% | Beats 74% | 6 / 19 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 11.73% | 10.58% | 12.87% | 17.85% | Beats 37% | 12 / 19 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 11.73% | 10.58% | 12.87% | 17.85% | Beats 37% | 12 / 19 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 77.97% | 41.38% | 66.89% | 77.97% | 74th pctl | 5 / 19 | |
| Loans / Assets | 68.47% | 33.12% | 56.90% | 65.75% | 79th pctl | 4 / 19 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||