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 | |