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 | |