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 | |