Valdosta, GA · Charter 68673
NCUA · 9 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 | 0.93% | 0.92% | 0.97% | 1.08% | 1.08% | 1.13% | 1.14% | 1.14% | +7 bps | |
| Return on Equity | 8.71% | 8.84% | 9.43% | 10.27% | 10.18% | 10.46% | 10.75% | 10.59% | +32 bps | |
| Net Interest Margin | 3.35% | 3.29% | 3.43% | 3.51% | 3.54% | 3.60% | 3.62% | 3.64% | +12 bps | |
| Efficiency Ratio | 77.17% | 78.26% | 76.79% | 75.39% | 75.41% | 74.63% | 73.67% | 72.36% | -304 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.22% | 4.43% | 6.49% | 9.46% | 10.50% | 6.69% | 7.09% | 7.45% | -201 bps | |
| Loan Growth (YoY) | -1.47% | -0.45% | 3.76% | 6.54% | 11.18% | 12.45% | 11.79% | 11.51% | +497 bps | |
| Share Growth (YoY) | 0.52% | 5.65% | 7.16% | 9.49% | 10.52% | 6.19% | 7.29% | 7.84% | -165 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.05% | 0.02% | 0.03% | 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 | 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 | 10.68% | 10.42% | 10.24% | 10.48% | 10.61% | 10.80% | 10.61% | 10.81% | +32 bps | |
| Net Worth / Assets | 10.68% | 10.42% | 10.24% | 10.48% | 10.61% | 10.80% | 10.61% | 10.81% | +32 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 84.27% | 81.42% | 80.44% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |