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 | |