Marietta, GA · Charter 68581
NCUA · 21 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 | 0.54% | 0.63% | 0.30% | 0.50% | 0.64% | 0.65% | 0.63% | 0.57% | +7 bps | |
| Return on Equity | 4.79% | 5.50% | 2.66% | 4.32% | 5.32% | 5.43% | 5.29% | 4.81% | +49 bps | |
| Net Interest Margin | 3.00% | 3.01% | 2.97% | 3.16% | 3.25% | 3.26% | 3.25% | 3.27% | +11 bps | |
| Efficiency Ratio | 80.72% | 79.45% | 86.84% | 82.83% | 80.23% | 79.29% | 76.65% | 80.52% | -230 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.40% | -8.20% | -6.59% | -6.16% | -0.55% | 1.01% | 1.87% | 3.42% | +958 bps | |
| Loan Growth (YoY) | 19.13% | 2.22% | 0.66% | 2.19% | 4.31% | 5.27% | 8.61% | 8.46% | +627 bps | |
| Share Growth (YoY) | 11.54% | -4.31% | -3.74% | -3.33% | -2.39% | -1.44% | 0.00% | 1.91% | +524 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.13% | 0.20% | 0.24% | 0.48% | 0.44% | 0.51% | 0.45% | 0.47% | -1 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 | 11.21% | 11.51% | 11.37% | 11.63% | 11.95% | 12.03% | 11.86% | 11.91% | +28 bps | |
| Net Worth / Assets | 11.21% | 11.51% | 11.37% | 11.63% | 11.95% | 12.03% | 11.86% | 11.91% | +28 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 77.23% | 78.44% | 76.76% | 79.38% | 82.54% | 83.78% | 83.36% | 84.48% | +510 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |