Warner Robins, GA · Charter 68670
NCUA · 24 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
97
Asset Quality
80
Profitability
78
Liquidity
25
Efficiency
94
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.
Warner Robins, GA · Charter 68670
NCUA · 24 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 | 1.28% | 1.34% | 1.74% | 1.66% | 1.72% | 1.65% | 1.79% | 1.91% | +26 bps | |
| Return on Equity | 7.93% | 8.15% | 10.72% | 9.90% | 10.01% | 9.54% | 10.31% | 10.87% | +98 bps | |
| Net Interest Margin | 2.94% | 2.99% | 3.22% | 3.35% | 3.43% | 3.44% | 3.45% | 3.43% | +7 bps | |
| Efficiency Ratio | 62.37% | 61.71% | 56.53% | 57.88% | 57.75% | 59.09% | 56.73% | 55.09% | -279 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.19% | 6.07% | 6.05% | 4.48% | 3.21% | 4.44% | 3.45% | 5.63% | +115 bps | |
| Loan Growth (YoY) | 5.99% | 5.71% | 8.11% | 6.11% | 5.23% | 4.63% | 4.03% | 4.28% | -183 bps | |
| Share Growth (YoY) | 6.21% | 7.05% | 5.10% | 2.87% | 1.08% | 1.65% | 1.35% | 4.14% | +128 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.41% | 0.38% | 0.24% | 0.30% | 0.38% | 0.45% | 0.33% | 0.40% | +9 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 | 16.12% | 16.37% | 16.26% | 16.76% | 17.18% | 17.30% | 17.34% | 17.61% | +85 bps | |
| Net Worth / Assets | 16.12% | 16.37% | 16.26% | 16.76% | 17.18% | 17.30% | 17.34% | 17.61% | +85 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 68.44% | 68.66% | 67.51% | 70.53% | 71.25% | 70.68% | 69.29% | 70.62% | +9 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Warner Robins, GA · Charter 68670 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 24 branches
Q2 2026
Return on Assets
1.91%
Rank 8 of 435
Net Interest Margin
3.43%
Rank 205 of 435
Efficiency Ratio
55.09%
Rank 26 of 435
Equity / Assets
17.61%
Rank 14 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.91% | 0.55% | 0.81% | 1.14% | Beats 98% | 8 / 435 | ||
| Return on Equity | 10.87% | 5.12% | 7.41% | 9.70% | Beats 84% | 70 / 435 | ||
| Net Interest Margin | 3.43% | 3.01% | 3.39% | 3.75% | Beats 53% | 205 / 435 | ||
| Efficiency Ratio | 55.09% | 65.25% | 71.39% | 77.86% | Beats 94% | 26 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.40% | 0.45% | 0.69% | 1.05% | Beats 80% | 89 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 17.61% | 9.81% | 10.84% | 12.63% | Beats 97% | 14 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 17.61% | 9.81% | 10.84% | 12.63% | Beats 97% | 14 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 70.62% | 78.33% | 88.38% | 95.61% | 15th pctl | 371 / 435 | ||
| Loans / Assets | 58.25% | 67.69% | 74.58% | 80.80% | 12th pctl | 383 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||