Fayetteville, GA · Charter 68638
NCUA · 11 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 | 0.80% | 0.70% | 0.46% | 0.49% | 0.53% | 0.48% | 0.36% | 0.43% | -6 bps | |
| Return on Equity | 7.05% | 6.11% | 4.07% | 4.32% | 4.58% | 4.16% | 3.12% | 3.70% | -61 bps | |
| Net Interest Margin | 2.90% | 2.90% | 2.82% | 2.91% | 2.93% | 2.93% | 2.94% | 3.03% | +12 bps | |
| Efficiency Ratio | 77.95% | 80.66% | 84.92% | 85.78% | 86.00% | 86.29% | 88.05% | 88.97% | +319 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.54% | 1.23% | 3.44% | 2.28% | 2.82% | 3.98% | 2.27% | 2.17% | -12 bps | |
| Loan Growth (YoY) | -2.45% | -2.92% | -3.13% | -1.72% | -2.08% | -1.13% | -2.68% | -3.33% | -161 bps | |
| Share Growth (YoY) | -2.81% | 0.00% | 1.93% | 0.82% | 1.84% | 2.26% | 1.54% | 1.92% | +110 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.07% | 0.10% | 0.14% | 0.08% | 0.10% | 0.20% | 0.10% | 0.10% | +3 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 | 11.35% | 11.46% | 11.20% | 11.41% | 11.52% | 11.48% | 11.39% | 11.60% | +19 bps | |
| Net Worth / Assets | 11.35% | 11.46% | 11.20% | 11.41% | 11.52% | 11.48% | 11.39% | 11.60% | +19 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 45.63% | 45.18% | 43.53% | 44.30% | 43.88% | 43.69% | 41.72% | 42.02% | -228 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |