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Workmen's Circle Incorporated

Savannah, GA · Charter 67892

NCUA · 1 branch

Q2 2026

$135.0MAssets
$108.5MLoans
$106.6MShares
$28.1MNet 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 2.25%, up 48 bps year over year; NIM at 3.03%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 20.83%, up 117 bps from a year ago.
  • Funding: loans stand at 101.83% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

2.25%+48 bps YoY

Net Interest Margin (quarter, annualized)

3.03%+45 bps YoY

Efficiency Ratio (quarter, annualized)

28.06%-289 bps YoY

Net Worth / Assets

20.83%+117 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.77%1.86%1.85%2.15%2.25%+48 bps
Return on Equity9.00%9.52%9.43%10.71%10.81%+181 bps
Net Interest Margin2.58%2.62%2.62%2.93%3.03%+45 bps
Efficiency Ratio30.95%29.37%32.65%28.72%28.06%-289 bps
Growth
Asset Growth (YoY)4.24%5.53%7.96%9.64%5.19%+95 bps
Loan Growth (YoY)9.51%7.03%6.18%5.25%0.38%-913 bps
Share Growth (YoY)3.39%4.15%7.60%9.28%3.54%+16 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 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 Capital19.66%19.60%19.57%20.10%20.83%+117 bps
Net Worth / Assets19.66%19.60%19.57%20.10%20.83%+117 bps
Liquidity & Funding
Loans / Shares105.03%101.16%98.31%98.68%101.83%-321 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps