Macon, GA · Charter 67687
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 | 0.46% | 0.44% | 1.22% | 1.22% | 1.04% | 1.31% | 1.73% | 1.89% | +67 bps | |
| Return on Equity | 1.55% | 1.49% | 4.19% | 4.35% | 3.78% | 4.75% | 6.41% | 6.96% | +261 bps | |
| Net Interest Margin | 5.75% | 5.85% | 5.21% | 4.99% | 5.11% | 5.50% | 5.49% | 5.48% | +50 bps | |
| Efficiency Ratio | 70.48% | 70.93% | 78.04% | 77.14% | 74.21% | 72.93% | 70.17% | 67.44% | -970 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.49% | -1.29% | 8.35% | 10.96% | 10.68% | 12.19% | 14.00% | 9.66% | -131 bps | |
| Loan Growth (YoY) | -6.56% | 1.26% | 1.57% | 8.97% | 11.75% | 8.68% | 11.68% | 6.76% | -220 bps | |
| Share Growth (YoY) | -3.96% | -2.12% | 10.84% | 14.76% | 13.86% | 15.13% | 17.48% | 10.98% | -378 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.56% | 1.55% | 1.24% | 0.00% | 0.34% | 0.72% | 0.57% | 0.56% | +56 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 | 29.47% | 29.52% | 29.12% | 27.93% | 27.49% | 27.62% | 26.96% | 27.10% | -83 bps | |
| Net Worth / Assets | 29.47% | 29.52% | 29.12% | 27.93% | 27.49% | 27.62% | 26.96% | 27.10% | -83 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 95.67% | 99.99% | 94.97% | 91.72% | 93.90% | 94.39% | 90.28% | 88.23% | -348 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |