Leesburg, GA · Charter 6859
NCUA · 2 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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
24
Asset Quality
20
Profitability
14
Liquidity
64
Efficiency
5
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.
Leesburg, GA · Charter 6859
NCUA · 2 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 | -1.33% | -1.57% | -0.56% | -0.83% | -0.93% | -0.96% | -0.05% | -0.95% | -11 bps | |
| Return on Equity | -12.09% | -14.54% | -5.34% | -8.12% | -9.10% | -9.11% | -0.45% | -9.16% | -103 bps | |
| Net Interest Margin | 3.22% | 3.28% | 3.00% | 3.06% | 3.15% | 3.34% | 3.45% | 3.53% | +47 bps | |
| Efficiency Ratio | 106.13% | 108.88% | 106.97% | 110.30% | 108.96% | 111.49% | 100.29% | 106.90% | -339 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.76% | -1.64% | -4.66% | -5.37% | -4.17% | -5.62% | -8.90% | -9.61% | -424 bps | |
| Loan Growth (YoY) | -13.98% | -16.53% | -13.76% | -6.77% | -5.65% | -1.61% | -1.50% | -5.22% | +155 bps | |
| Share Growth (YoY) | 4.77% | 0.18% | -3.38% | -4.62% | -3.49% | -5.76% | -9.07% | -9.88% | -525 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.15% | 2.91% | 2.34% | 2.24% | 1.72% | 1.97% | 1.57% | 1.55% | -69 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 | 11.00% | 10.81% | 10.43% | 10.23% | 10.23% | 10.49% | 10.62% | 10.32% | +9 bps | |
| Net Worth / Assets | 11.00% | 10.81% | 10.43% | 10.23% | 10.23% | 10.49% | 10.62% | 10.32% | +9 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 75.59% | 74.42% | 71.66% | 73.72% | 73.90% | 77.70% | 77.63% | 77.54% | +381 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Leesburg, GA · Charter 6859 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
-0.94%
Rank 1,612 of 1,683
Net Interest Margin
3.53%
Rank 1,098 of 1,683
Efficiency Ratio
106.85%
Rank 1,598 of 1,682
Equity / Assets
10.32%
Rank 1,282 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.94% | 0.35% | 0.74% | 1.18% | Beats 4% | 1,612 / 1,683 | ||
| Return on Equity | -9.14% | 2.67% | 5.89% | 8.74% | Beats 4% | 1,617 / 1,681 | ||
| Net Interest Margin | 3.53% | 3.31% | 3.82% | 4.32% | Beats 35% | 1,098 / 1,683 | ||
| Efficiency Ratio | 106.85% | 68.91% | 78.20% | 86.93% | Beats 5% | 1,598 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.55% | 0.26% | 0.65% | 1.29% | Beats 20% | 1,347 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.32% | 10.44% | 12.89% | 16.53% | Beats 24% | 1,282 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.32% | 10.44% | 12.89% | 16.53% | Beats 24% | 1,282 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 77.53% | 52.61% | 69.38% | 83.50% | 65th pctl | 591 / 1,683 | ||
| Loans / Assets | 69.10% | 44.71% | 59.18% | 70.72% | 72nd pctl | 478 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||