Valdosta, GA · Charter 68673
NCUA · 9 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 under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
29
Asset Quality
65
Profitability
67
Liquidity
28
Efficiency
67
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.
Valdosta, GA · Charter 68673
NCUA · 9 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 | 1.08% | 1.08% | 1.13% | 1.14% | 1.14% | +7 bps | |
| Return on Equity | 10.27% | 10.18% | 10.46% | 10.75% | 10.59% | +32 bps | |
| Net Interest Margin | 3.51% | 3.54% | 3.60% | 3.62% | 3.64% | +12 bps | |
| Efficiency Ratio | 75.39% | 75.41% | 74.63% | 73.67% | 72.36% | -304 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.46% | 10.50% | 6.69% | 7.09% | 7.45% | -201 bps | |
| Loan Growth (YoY) | 6.54% | 11.18% | 12.45% | 11.79% | 11.51% | +497 bps | |
| Share Growth (YoY) | 9.49% | 10.52% | 6.19% | 7.29% | 7.84% | -165 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.04% | 0.10% | 0.07% | 0.38% | 0.41% | +37 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 | 10.48% | 10.61% | 10.80% | 10.61% | 10.81% | +32 bps | |
| Net Worth / Assets | 10.48% | 10.61% | 10.80% | 10.61% | 10.81% | +32 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 82.95% | 84.77% | 86.22% | 83.82% | 85.77% | +283 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Valdosta, GA · Charter 68673 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 9 branches
Q2 2026
Return on Assets
1.15%
Rank 458 of 1,683
Net Interest Margin
3.64%
Rank 1,001 of 1,683
Efficiency Ratio
72.35%
Rank 555 of 1,682
Equity / Assets
10.81%
Rank 1,192 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.15% | 0.35% | 0.74% | 1.18% | Beats 73% | 458 / 1,683 | |
| Return on Equity | 10.60% | 2.67% | 5.89% | 8.74% | Beats 86% | 233 / 1,681 | |
| Net Interest Margin | 3.64% | 3.31% | 3.82% | 4.32% | Beats 41% | 1,001 / 1,683 | |
| Efficiency Ratio | 72.35% | 68.91% | 78.20% | 86.93% | Beats 67% | 555 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.41% | 0.26% | 0.65% | 1.29% | Beats 65% | 592 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 10.81% | 10.44% | 12.89% | 16.53% | Beats 29% | 1,192 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 10.81% | 10.44% | 12.89% | 16.53% | Beats 29% | 1,192 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 85.77% | 52.61% | 69.38% | 83.50% | 79th pctl | 353 / 1,683 | |
| Loans / Assets | 75.63% | 44.71% | 59.18% | 70.72% | 84th pctl | 265 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||