Toccoa, GA · Charter 67564
NCUA · 2 branches
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
78
Asset Quality
73
Profitability
61
Liquidity
43
Efficiency
32
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.
Toccoa, GA · Charter 67564
NCUA · 2 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 | 0.37% | 0.15% | 0.60% | 0.63% | 0.69% | 0.60% | 0.56% | 0.71% | +8 bps | |
| Return on Equity | 2.23% | 0.92% | 3.80% | 3.90% | 4.07% | 3.57% | 3.33% | 4.10% | +21 bps | |
| Net Interest Margin | 5.63% | 5.75% | 5.38% | 5.50% | 5.86% | 6.00% | 5.87% | 6.04% | +54 bps | |
| Efficiency Ratio | 81.71% | 84.57% | 89.92% | 86.93% | 85.88% | 86.23% | 82.93% | 84.03% | -290 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.79% | -0.73% | 4.43% | 1.52% | -2.15% | -1.75% | -4.44% | -4.85% | -637 bps | |
| Loan Growth (YoY) | 5.71% | 3.64% | -2.32% | -2.45% | 3.01% | 5.29% | 8.22% | 11.09% | +1,354 bps | |
| Share Growth (YoY) | 0.73% | -0.60% | 6.15% | 2.27% | -2.79% | -1.36% | -6.07% | -5.41% | -768 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.34% | 0.85% | 0.72% | 1.28% | 1.23% | 0.35% | 1.92% | 0.29% | -99 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 | 16.67% | 16.46% | 15.89% | 16.23% | 17.01% | 16.95% | 16.81% | 17.27% | +105 bps | |
| Net Worth / Assets | 16.67% | 16.46% | 15.89% | 16.23% | 17.01% | 16.95% | 16.81% | 17.27% | +105 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 71.89% | 72.91% | 67.12% | 70.14% | 76.18% | 77.82% | 77.33% | 82.38% | +1,224 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Toccoa, GA · Charter 67564 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
0.70%
Rank 875 of 1,683
Net Interest Margin
6.04%
Rank 39 of 1,683
Efficiency Ratio
83.99%
Rank 1,140 of 1,682
Equity / Assets
17.27%
Rank 376 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.70% | 0.35% | 0.74% | 1.18% | Beats 48% | 875 / 1,683 | ||
| Return on Equity | 4.08% | 2.67% | 5.89% | 8.74% | Beats 36% | 1,079 / 1,681 | ||
| Net Interest Margin | 6.04% | 3.31% | 3.82% | 4.32% | Beats 98% | 39 / 1,683 | ||
| Efficiency Ratio | 83.99% | 68.91% | 78.20% | 86.93% | Beats 32% | 1,140 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.29% | 0.26% | 0.65% | 1.29% | Beats 73% | 453 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 17.27% | 10.44% | 12.89% | 16.53% | Beats 78% | 376 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 17.27% | 10.44% | 12.89% | 16.53% | Beats 78% | 376 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 82.38% | 52.61% | 69.38% | 83.50% | 74th pctl | 441 / 1,683 | ||
| Loans / Assets | 68.47% | 44.71% | 59.18% | 70.72% | 70th pctl | 499 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||