PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Georgia United

Duluth, GA · Charter 68607

NCUA · 15 branches

Q2 2026

$2.5BAssets
$1.8BLoans
$2.1BShares
$272.6MNet Worth

Executive Summary

  • Earnings: ROA of 0.96%, up 30 bps year over year; NIM at 3.43%.
  • Asset quality: problem loans at 0.89% of loans (+17 bps YoY).
  • Capital: net worth / assets of 10.78%, up 24 bps from a year ago.
  • Funding: loans stand at 84.52% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

0.96%+30 bps YoY

Net Interest Margin (quarter, annualized)

3.43%+9 bps YoY

Efficiency Ratio (quarter, annualized)

68.11%-412 bps YoY

Net Worth / Assets

10.78%+24 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.81%0.79%0.54%0.65%0.72%0.74%0.97%0.96%+30 bps
Return on Equity7.74%7.36%5.20%6.19%6.67%6.82%9.14%8.86%+267 bps
Net Interest Margin3.17%3.20%3.24%3.34%3.45%3.43%3.38%3.43%+9 bps
Efficiency Ratio72.58%71.17%73.87%72.23%71.55%71.01%67.31%68.11%-412 bps
Growth
Asset Growth (YoY)10.36%7.05%6.38%6.73%4.90%6.56%6.48%6.44%-29 bps
Loan Growth (YoY)6.58%2.79%1.12%0.79%0.88%2.19%2.78%4.62%+382 bps
Share Growth (YoY)5.61%5.93%4.99%3.59%3.48%5.74%6.04%6.90%+331 bps
Asset Quality
Delinquent Loans / Loans0.73%0.77%0.81%0.73%0.92%0.90%0.85%0.89%+17 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.53%10.70%10.46%10.54%10.75%10.78%10.65%10.78%+24 bps
Net Worth / Assets10.53%10.70%10.46%10.54%10.75%10.78%10.65%10.78%+24 bps
Liquidity & Funding
Loans / Shares89.08%88.65%85.43%86.37%86.84%85.68%82.81%84.52%-185 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps