PackageTrendsPeer
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The Wright

Toccoa, GA · Charter 67564

NCUA · 2 branches

Q2 2026

$16.2MAssets
$11.1MLoans
$13.4MShares
$2.8MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.71%, up 8 bps year over year; NIM at 6.04%.
  • Asset quality: problem loans at 0.29% of loans (-99 bps YoY).
  • Capital: net worth / assets of 17.27%, up 105 bps from a year ago.
  • Funding: loans stand at 82.38% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.71%+8 bps YoY

Net Interest Margin (quarter, annualized)

6.04%+54 bps YoY

Efficiency Ratio (quarter, annualized)

84.03%-290 bps YoY

Net Worth / Assets

17.27%+105 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.63%0.69%0.60%0.56%0.71%+8 bps
Return on Equity3.90%4.07%3.57%3.33%4.10%+21 bps
Net Interest Margin5.50%5.86%6.00%5.87%6.04%+54 bps
Efficiency Ratio86.93%85.88%86.23%82.93%84.03%-290 bps
Growth
Asset Growth (YoY)1.52%-2.15%-1.75%-4.44%-4.85%-637 bps
Loan Growth (YoY)-2.45%3.01%5.29%8.22%11.09%+1,354 bps
Share Growth (YoY)2.27%-2.79%-1.36%-6.07%-5.41%-768 bps
Asset Quality
Delinquent Loans / Loans1.28%1.23%0.35%1.92%0.29%-99 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital16.23%17.01%16.95%16.81%17.27%+105 bps
Net Worth / Assets16.23%17.01%16.95%16.81%17.27%+105 bps
Liquidity & Funding
Loans / Shares70.14%76.18%77.82%77.33%82.38%+1,224 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps