Macon, GA · Charter 67688
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -4.50% | -3.40% | -3.34% | -2.58% | -1.86% | +264 bps | |
| Return on Equity | -41.87% | -31.54% | -31.71% | -23.79% | -17.24% | +2,462 bps | |
| Net Interest Margin | 5.46% | 5.81% | 5.98% | 5.91% | 6.23% | +77 bps | |
| Efficiency Ratio | 229% | 172.29% | 164.64% | 138.99% | 126.24% | -10,270 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.32% | -1.40% | -4.73% | -16.19% | -15.90% | -1,158 bps | |
| Loan Growth (YoY) | -10.07% | -13.81% | -11.80% | -23.03% | -24.24% | -1,417 bps | |
| Share Growth (YoY) | -1.65% | 1.53% | -1.79% | -15.62% | -15.72% | -1,407 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.73% | 0.94% | 0.50% | 1.66% | 0.45% | -28 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.74% | 10.78% | 10.53% | 10.82% | 10.76% | +2 bps | |
| Net Worth / Assets | 10.74% | 10.78% | 10.53% | 10.82% | 10.76% | +2 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 70.38% | 67.38% | 68.43% | 63.85% | 63.27% | -711 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |