Woodstock, GA · Charter 68571
NCUA · 9 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (n=19). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
11
Asset Quality
32
Profitability
72
Liquidity
36
Efficiency
74
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Woodstock, GA · Charter 68571
NCUA · 9 branches
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 | 1.11% | 1.09% | 1.08% | 1.03% | 1.17% | 1.15% | 1.07% | 1.20% | +17 bps | |
| Return on Equity | 11.76% | 11.29% | 11.18% | 10.52% | 11.72% | 11.54% | 10.81% | 11.82% | +131 bps | |
| Net Interest Margin | 3.39% | 3.45% | 3.68% | 3.78% | 3.84% | 3.79% | 3.82% | 3.85% | +7 bps | |
| Efficiency Ratio | 68.65% | 68.43% | 72.46% | 72.25% | 70.48% | 70.35% | 69.40% | 68.65% | -360 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.47% | 6.28% | 6.49% | 7.07% | 5.97% | 8.86% | 9.66% | 9.00% | +193 bps | |
| Loan Growth (YoY) | 7.30% | 8.20% | 11.89% | 12.34% | 12.91% | 9.77% | 5.90% | 6.55% | -580 bps | |
| Share Growth (YoY) | 4.63% | 5.52% | 5.62% | 7.19% | 4.38% | 7.19% | 8.45% | 8.09% | +90 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.68% | 0.67% | 0.37% | 0.65% | 0.83% | 0.80% | 0.68% | 1.00% | +35 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 | 9.43% | 9.65% | 9.63% | 9.75% | 9.99% | 9.98% | 9.88% | 10.15% | +40 bps | |
| Net Worth / Assets | 9.43% | 9.65% | 9.63% | 9.75% | 9.99% | 9.98% | 9.88% | 10.15% | +40 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 75.19% | 78.04% | 78.76% | 80.21% | 81.34% | 79.93% | 76.90% | 79.07% | -115 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Woodstock, GA · Charter 68571 · Peer group: credit unions under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (n=19)
NCUA · 9 branches
Q2 2026
Return on Assets
1.20%
Rank 6 of 19
Net Interest Margin
3.85%
Rank 8 of 19
Efficiency Ratio
68.65%
Rank 6 of 19
Equity / Assets
10.15%
Rank 17 of 19
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.20% | -0.11% | 0.66% | 1.27% | Beats 68% | 6 / 19 | ||
| Return on Equity | 11.83% | -0.53% | 4.88% | 8.56% | Beats 89% | 2 / 19 | ||
| Net Interest Margin | 3.85% | 3.04% | 3.58% | 4.03% | Beats 58% | 8 / 19 | ||
| Efficiency Ratio | 68.65% | 67.29% | 83.22% | 91.36% | Beats 74% | 6 / 19 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.00% | 0.10% | 0.50% | 1.13% | Beats 32% | 14 / 19 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.15% | 10.58% | 12.87% | 17.85% | Beats 11% | 17 / 19 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.15% | 10.58% | 12.87% | 17.85% | Beats 11% | 17 / 19 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 79.07% | 41.38% | 66.89% | 77.97% | 79th pctl | 4 / 19 | ||
| Loans / Assets | 69.17% | 33.12% | 56.90% | 65.75% | 84th pctl | 3 / 19 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||