Gainesville, GA · Charter 68602
NCUA · 9 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.16% | 1.20% | 1.15% | 0.86% | 0.85% | -31 bps | |
| Return on Equity | 10.43% | 10.69% | 10.22% | 7.88% | 7.73% | -270 bps | |
| Net Interest Margin | 4.16% | 4.14% | 4.10% | 3.90% | 3.96% | -19 bps | |
| Efficiency Ratio | 69.07% | 68.23% | 70.10% | 77.38% | 75.89% | +682 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.14% | 11.81% | 12.05% | 12.03% | 10.16% | +103 bps | |
| Loan Growth (YoY) | 10.65% | 9.43% | 9.77% | 7.72% | 7.87% | -277 bps | |
| Share Growth (YoY) | 8.69% | 11.84% | 11.94% | 12.09% | 10.67% | +198 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.77% | 0.65% | 0.69% | 0.62% | 0.54% | -23 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.10% | 11.22% | 11.30% | 10.89% | 11.02% | -9 bps | |
| Net Worth / Assets | 11.10% | 11.22% | 11.30% | 10.89% | 11.02% | -9 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 73.21% | 72.92% | 73.07% | 69.82% | 71.36% | -185 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |