Macon, GA · Charter 67688
NCUA · 1 branch
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 | -0.39% | -0.94% | -4.29% | -4.50% | -3.40% | -3.34% | -2.58% | -1.86% | +264 bps | |
| Return on Equity | -2.83% | -7.09% | -36.90% | -41.87% | -31.54% | -31.71% | -23.79% | -17.24% | +2,462 bps | |
| Net Interest Margin | 6.30% | 6.04% | 5.32% | 5.46% | 5.81% | 5.98% | 5.91% | 6.23% | +77 bps | |
| Efficiency Ratio | 105.80% | 113.56% | 208% | 229% | 172.29% | 164.64% | 138.99% | 126.24% | -10,270 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -13.47% | -13.07% | -8.84% | -4.32% | -1.40% | -4.73% | -16.19% | -15.90% | -1,158 bps | |
| Loan Growth (YoY) | -13.21% | -11.09% | -10.39% | -10.07% | -13.81% | -11.80% | -23.03% | -24.24% | -1,417 bps | |
| Share Growth (YoY) | -14.61% | -13.88% | -8.33% | -1.65% | 1.53% | -1.79% | -15.62% | -15.72% | -1,407 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.39% | 5.14% | 1.78% | 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 | 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 | 13.82% | 13.25% | 11.62% | 10.74% | 10.78% | 10.53% | 10.82% | 10.76% | +2 bps | |
| Net Worth / Assets | 13.82% | 13.25% | 11.62% | 10.74% | 10.78% | 10.53% | 10.82% | 10.76% | +2 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 79.37% | 76.20% | 69.99% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |