PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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Decatur, GA · Charter 67538

NCUA · 15 branches

Q2 2026

$429.0MAssets
$293.8MLoans
$376.8MShares
$50.3MNet 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 0.80%, up 33 bps year over year; NIM at 3.00%.
  • Asset quality: problem loans at 0.20% of loans (+7 bps YoY).
  • Capital: net worth / assets of 11.73%, up 53 bps from a year ago.
  • Funding: loans stand at 77.97% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.80%+33 bps YoY

Net Interest Margin (YTD, annualized)

3.00%+19 bps YoY

Efficiency Ratio (YTD, annualized)

76.64%-530 bps YoY

Net Worth / Assets

11.73%+53 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.46%0.55%0.72%0.71%0.80%+33 bps
Return on Equity4.15%4.79%6.21%6.16%6.79%+264 bps
Net Interest Margin2.80%2.86%2.89%2.92%3.00%+19 bps
Efficiency Ratio81.94%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 / Loans0.12%0.20%0.30%0.12%0.20%+7 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 Capital11.20%11.42%11.66%11.50%11.73%+53 bps
Net Worth / Assets11.20%11.42%11.66%11.50%11.73%+53 bps
Liquidity & Funding
Loans / Shares75.51%75.73%78.14%76.20%77.97%+247 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps