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Letter portraitLegal landscapeQuarterYTD

General Electric

Cincinnati, OH · Charter 68574

NCUA · 14 branches

Q2 2026

$4.2BAssets
$3.5BLoans
$3.5BShares
$358.9MNet Worth

Executive Summary

  • Earnings: ROA of 0.35%, up 21 bps year over year; NIM at 2.26%.
  • Asset quality: problem loans at 0.70% of loans (+3 bps YoY).
  • Capital: net worth / assets of 8.52%, up 43 bps from a year ago.
  • Funding: loans stand at 100.45% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.35%+21 bps YoY

Net Interest Margin (YTD, annualized)

2.26%+43 bps YoY

Efficiency Ratio (YTD, annualized)

69.86%-743 bps YoY

Net Worth / Assets

8.52%+43 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.43%-0.44%0.07%0.14%0.22%0.26%0.37%0.35%+21 bps
Return on Equity-5.69%-5.65%0.85%1.75%2.61%3.12%4.36%4.07%+232 bps
Net Interest Margin1.41%1.51%1.75%1.84%1.91%1.96%2.17%2.26%+43 bps
Efficiency Ratio88.61%85.56%78.07%77.30%75.27%73.96%71.67%69.86%-743 bps
Growth
Asset Growth (YoY)-7.06%-13.26%-13.40%-9.23%-7.92%-4.47%-2.93%-1.91%+732 bps
Loan Growth (YoY)-6.83%-8.91%-11.98%-9.02%-7.69%-6.89%-3.24%-0.30%+872 bps
Share Growth (YoY)-7.35%-7.51%-10.07%-6.60%-7.43%-4.33%-2.88%-1.78%+482 bps
Asset Quality
Delinquent Loans / Loans0.77%0.88%0.63%0.67%0.78%0.83%0.71%0.70%+3 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital7.63%7.77%7.92%8.08%8.26%8.31%8.41%8.52%+43 bps
Net Worth / Assets7.63%7.77%7.92%8.08%8.26%8.31%8.41%8.52%+43 bps
Liquidity & Funding
Loans / Shares99.82%98.97%97.90%98.96%99.54%96.32%97.53%100.45%+149 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps