Cordele, GA · Charter 67563
NCUA · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.21% | 1.01% | 0.06% | -0.72% | -0.09% | 0.20% | -0.35% | -1.39% | -67 bps | |
| Return on Equity | 0.62% | 3.02% | 0.18% | -2.45% | -0.31% | 0.65% | -1.04% | -4.07% | -162 bps | |
| Net Interest Margin | 7.31% | 8.09% | 7.08% | 6.32% | 6.19% | 6.44% | 6.65% | 6.24% | -7 bps | |
| Efficiency Ratio | 97.70% | 89.74% | 99.39% | 108.96% | 101.13% | 97.61% | 104.47% | 118.61% | +965 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.03% | -6.66% | 2.57% | 11.44% | 12.55% | 7.94% | -6.76% | -14.48% | -2,592 bps | |
| Loan Growth (YoY) | -3.95% | 5.76% | -1.47% | -14.70% | -18.70% | -20.48% | -27.55% | -29.25% | -1,455 bps | |
| Share Growth (YoY) | -12.09% | -9.64% | 1.72% | 15.07% | 16.46% | 9.54% | -9.83% | -20.80% | -3,588 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 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 | 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 | 32.95% | 33.56% | 31.47% | 29.54% | 29.08% | 30.88% | 33.65% | 34.27% | +473 bps | |
| Net Worth / Assets | 32.95% | 33.56% | 31.47% | 29.54% | 29.08% | 30.88% | 33.65% | 34.27% | +473 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 98.29% | 97.77% | 88.33% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |