Cordele, GA · Charter 67563
NCUA · 1 branch
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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
98
Asset Quality
5
Profitability
36
Liquidity
98
Efficiency
2
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.
Cordele, GA · Charter 67563
NCUA · 1 branch
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 | -0.72% | -0.09% | 0.20% | -0.35% | -1.39% | -67 bps | |
| Return on Equity | -2.45% | -0.31% | 0.65% | -1.04% | -4.07% | -162 bps | |
| Net Interest Margin | 6.32% | 6.19% | 6.44% | 6.65% | 6.24% | -7 bps | |
| Efficiency Ratio | 108.96% | 101.13% | 97.61% | 104.47% | 118.61% | +965 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 11.44% | 12.55% | 7.94% | -6.76% | -14.48% | -2,592 bps | |
| Loan Growth (YoY) | -14.70% | -18.70% | -20.48% | -27.55% | -29.25% | -1,455 bps | |
| Share Growth (YoY) | 15.07% | 16.46% | 9.54% | -9.83% | -20.80% | -3,588 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.98% | 0.26% | 0.25% | 3.95% | +395 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 | 29.54% | 29.08% | 30.88% | 33.65% | 34.27% | +473 bps | |
| Net Worth / Assets | 29.54% | 29.08% | 30.88% | 33.65% | 34.27% | +473 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 76.90% | 68.62% | 70.98% | 70.97% | 68.70% | -820 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Cordele, GA · Charter 67563 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
-1.28%
Rank 1,627 of 1,683
Net Interest Margin
6.07%
Rank 37 of 1,683
Efficiency Ratio
121.74%
Rank 1,643 of 1,682
Equity / Assets
34.19%
Rank 29 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.28% | 0.35% | 0.74% | 1.18% | Beats 3% | 1,627 / 1,683 | |
| Return on Equity | -3.74% | 2.67% | 5.89% | 8.74% | Beats 6% | 1,580 / 1,681 | |
| Net Interest Margin | 6.07% | 3.31% | 3.82% | 4.32% | Beats 98% | 37 / 1,683 | |
| Efficiency Ratio | 121.74% | 68.91% | 78.20% | 86.93% | Beats 2% | 1,643 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 4.10% | 0.26% | 0.65% | 1.29% | Beats 5% | 1,605 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 34.19% | 10.44% | 12.89% | 16.53% | Beats 98% | 29 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 34.19% | 10.44% | 12.89% | 16.53% | Beats 98% | 29 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 68.89% | 52.61% | 69.38% | 83.50% | 49th pctl | 855 / 1,683 | |
| Loans / Assets | 42.81% | 44.71% | 59.18% | 70.72% | 22nd pctl | 1,306 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||