Gainesville, GA · Charter 68602
NCUA · 9 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 | 1.20% | 1.29% | 1.21% | 1.16% | 1.20% | 1.15% | 0.86% | 0.85% | -31 bps | |
| Return on Equity | 10.69% | 11.26% | 10.90% | 10.43% | 10.69% | 10.22% | 7.88% | 7.73% | -270 bps | |
| Net Interest Margin | 4.34% | 4.32% | 4.19% | 4.16% | 4.14% | 4.10% | 3.90% | 3.96% | -19 bps | |
| Efficiency Ratio | 66.17% | 65.93% | 70.05% | 69.07% | 68.23% | 70.10% | 77.38% | 75.89% | +682 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.98% | 4.17% | 7.40% | 9.14% | 11.81% | 12.05% | 12.03% | 10.16% | +103 bps | |
| Loan Growth (YoY) | 2.17% | 3.30% | 6.86% | 10.65% | 9.43% | 9.77% | 7.72% | 7.87% | -277 bps | |
| Share Growth (YoY) | -0.86% | 2.65% | 5.93% | 8.69% | 11.84% | 11.94% | 12.09% | 10.67% | +198 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.60% | 0.75% | 0.56% | 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 | 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 | 11.19% | 11.43% | 11.09% | 11.10% | 11.22% | 11.30% | 10.89% | 11.02% | -9 bps | |
| Net Worth / Assets | 11.19% | 11.43% | 11.09% | 11.10% | 11.22% | 11.30% | 10.89% | 11.02% | -9 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 74.53% | 74.52% | 72.65% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |