Warner Robins, GA · Charter 68670
NCUA · 24 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 | 1.66% | 1.72% | 1.65% | 1.79% | 1.91% | +26 bps | |
| Return on Equity | 9.90% | 10.01% | 9.54% | 10.31% | 10.87% | +98 bps | |
| Net Interest Margin | 3.35% | 3.43% | 3.44% | 3.45% | 3.43% | +7 bps | |
| Efficiency Ratio | 57.88% | 57.75% | 59.09% | 56.73% | 55.09% | -279 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.48% | 3.21% | 4.44% | 3.45% | 5.63% | +115 bps | |
| Loan Growth (YoY) | 6.11% | 5.23% | 4.63% | 4.03% | 4.28% | -183 bps | |
| Share Growth (YoY) | 2.87% | 1.08% | 1.65% | 1.35% | 4.14% | +128 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.76% | 17.18% | 17.30% | 17.34% | 17.61% | +85 bps | |
| Net Worth / Assets | 16.76% | 17.18% | 17.30% | 17.34% | 17.61% | +85 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |