Decatur, GA · Charter 67538
NCUA · 15 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 | 0.61% | 0.81% | 0.25% | 0.46% | 0.55% | 0.72% | 0.71% | 0.80% | +33 bps | |
| Return on Equity | 5.66% | 7.40% | 2.30% | 4.15% | 4.79% | 6.21% | 6.16% | 6.79% | +264 bps | |
| Net Interest Margin | 2.75% | 2.79% | 2.66% | 2.80% | 2.86% | 2.89% | 2.92% | 3.00% | +19 bps | |
| Efficiency Ratio | 78.87% | 74.98% | 84.79% | 81.94% | 80.59% | 77.46% | 78.51% | 76.64% | -530 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.01% | 6.04% | 3.94% | 1.60% | 1.07% | -0.46% | 1.44% | 3.18% | +158 bps | |
| Loan Growth (YoY) | 1.01% | -2.32% | -1.84% | 0.61% | 0.37% | 3.69% | 4.77% | 6.31% | +570 bps | |
| Share Growth (YoY) | 6.52% | 6.43% | 4.03% | 1.17% | 0.28% | -1.20% | 0.74% | 2.95% | +177 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.17% | 0.36% | 0.11% | 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 | 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 | 10.76% | 10.89% | 10.84% | 11.20% | 11.42% | 11.66% | 11.50% | 11.73% | +53 bps | |
| Net Worth / Assets | 10.76% | 10.89% | 10.84% | 11.20% | 11.42% | 11.66% | 11.50% | 11.73% | +53 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 75.66% | 74.45% | 73.27% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |