PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Georgia Guard

Macon, GA · Charter 68291

NCUA · 1 branch

Q1 2026

$3.4MAssets
$2.4MLoans
$3.2MShares
$177KNet 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 -21.00%, down 2,021 bps year over year; NIM at 6.36%.
  • Asset quality: problem loans at 7.76% of loans (+540 bps YoY).
  • Capital: net worth / assets of 5.20%, down 305 bps from a year ago.
  • Funding: loans stand at 73.27% of shares as of Q1 2026.

Financial Results

Return on Assets (YTD, annualized)

-21.00%-2,021 bps YoY

Net Interest Margin (YTD, annualized)

6.36%-58 bps YoY

Efficiency Ratio (YTD, annualized)

179.09%+8,575 bps YoY

Net Worth / Assets

5.20%-305 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2025Q2 2025Q3 2025Q4 2025Q1 2026YoY ΔTrend
Earnings
Return on Assets-0.79%4.59%1.96%1.80%-21.00%-2,021 bps
Return on Equity-9.63%43.34%20.29%18.94%-404%-39,402 bps
Net Interest Margin6.94%6.54%6.42%5.89%6.36%-58 bps
Efficiency Ratio93.34%57.51%68.40%70.43%179.09%+8,575 bps
Growth
Asset Growth (YoY)-5.98%-1.37%-0.88%6.28%-0.30%+569 bps
Loan Growth (YoY)-14.64%-11.25%-6.71%-8.82%-7.25%+739 bps
Share Growth (YoY)-6.46%-4.07%-2.67%4.52%3.02%+948 bps
Asset Quality
Delinquent Loans / Loans2.36%1.39%7.34%6.83%7.76%+540 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 Capital8.25%10.58%9.68%9.51%5.20%-305 bps
Net Worth / Assets8.25%10.58%9.68%9.51%5.20%-305 bps
Liquidity & Funding
Loans / Shares81.39%79.96%78.79%72.25%73.27%-811 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps