Duluth, GA · Charter 68607
NCUA · 15 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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
48
Asset Quality
34
Profitability
61
Liquidity
84
Efficiency
63
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.
Duluth, GA · Charter 68607
NCUA · 15 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 | 0.65% | 0.72% | 0.74% | 0.97% | 0.96% | +30 bps | |
| Return on Equity | 6.19% | 6.67% | 6.82% | 9.14% | 8.86% | +267 bps | |
| Net Interest Margin | 3.34% | 3.45% | 3.43% | 3.38% | 3.43% | +9 bps | |
| Efficiency Ratio | 72.23% | 71.55% | 71.01% | 67.31% | 68.11% | -412 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.73% | 4.90% | 6.56% | 6.48% | 6.44% | -29 bps | |
| Loan Growth (YoY) | 0.79% | 0.88% | 2.19% | 2.78% | 4.62% | +382 bps | |
| Share Growth (YoY) | 3.59% | 3.48% | 5.74% | 6.04% | 6.90% | +331 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.73% | 0.92% | 0.90% | 0.85% | 0.89% | +17 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 | 10.54% | 10.75% | 10.78% | 10.65% | 10.78% | +24 bps | |
| Net Worth / Assets | 10.54% | 10.75% | 10.78% | 10.65% | 10.78% | +24 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 86.37% | 86.84% | 85.68% | 82.81% | 84.52% | -185 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Duluth, GA · Charter 68607 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 15 branches
Q2 2026
Return on Assets
0.96%
Rank 156 of 435
Net Interest Margin
3.43%
Rank 206 of 435
Efficiency Ratio
68.11%
Rank 162 of 435
Equity / Assets
10.78%
Rank 228 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.96% | 0.55% | 0.81% | 1.14% | Beats 64% | 156 / 435 | |
| Return on Equity | 8.86% | 5.12% | 7.41% | 9.70% | Beats 67% | 144 / 435 | |
| Net Interest Margin | 3.43% | 3.01% | 3.39% | 3.75% | Beats 53% | 206 / 435 | |
| Efficiency Ratio | 68.11% | 65.25% | 71.39% | 77.86% | Beats 63% | 162 / 435 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.89% | 0.45% | 0.69% | 1.05% | Beats 34% | 287 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 10.78% | 9.81% | 10.84% | 12.63% | Beats 48% | 228 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 10.78% | 9.81% | 10.84% | 12.63% | Beats 48% | 228 / 435 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 84.52% | 78.33% | 88.38% | 95.61% | 39th pctl | 265 / 435 | |
| Loans / Assets | 71.76% | 67.69% | 74.58% | 80.80% | 38th pctl | 269 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||