Macon, GA · Charter 68291
NCUA · 1 branch
Q1 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 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.35% | -2.42% | -1.49% | -0.79% | 4.59% | 1.96% | 1.80% | -21.00% | -2,021 bps | |
| Return on Equity | -41.85% | -30.97% | -18.21% | -9.63% | 43.34% | 20.29% | 18.94% | -404% | -39,402 bps | |
| Net Interest Margin | 7.35% | 7.19% | 7.19% | 6.94% | 6.54% | 6.42% | 5.89% | 6.36% | -58 bps | |
| Efficiency Ratio | 101.47% | 102.20% | 97.53% | 93.34% | 57.51% | 68.40% | 70.43% | 179.09% | +8,575 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.47% | -8.34% | -8.83% | -5.98% | -1.37% | -0.88% | 6.28% | -0.30% | +569 bps | |
| Loan Growth (YoY) | -4.79% | -7.02% | -12.61% | -14.64% | -11.25% | -6.71% | -8.82% | -7.25% | +739 bps | |
| Share Growth (YoY) | -8.65% | -7.62% | -8.06% | -6.46% | -4.07% | -2.67% | 4.52% | 3.02% | +948 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.21% | 2.58% | 3.21% | 2.36% | 1.39% | 7.34% | 6.83% | 7.76% | +540 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 | 7.99% | 7.81% | 8.19% | 8.25% | 10.58% | 9.68% | 9.51% | 5.20% | -305 bps | |
| Net Worth / Assets | 7.99% | 7.81% | 8.19% | 8.25% | 10.58% | 9.68% | 9.51% | 5.20% | -305 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 86.43% | 82.20% | 82.82% | 81.39% | 79.96% | 78.79% | 72.25% | 73.27% | -811 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |