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 | |