PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Coosa Valley

Rome, GA · Charter 68683

NCUA · 12 branches

Q2 2026

$765.9MAssets
$606.2MLoans
$678.1MShares
$70.5MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.08%, up 38 bps year over year; NIM at 3.46%.
  • Asset quality: problem loans at 0.61% of loans (-20 bps YoY).
  • Capital: net worth / assets of 9.21%, up 18 bps from a year ago.
  • Funding: loans stand at 89.41% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.08%+38 bps YoY

Net Interest Margin (quarter, annualized)

3.46%-15 bps YoY

Efficiency Ratio (quarter, annualized)

77.72%+245 bps YoY

Net Worth / Assets

9.21%+18 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.70%0.78%0.71%1.14%1.08%+38 bps
Return on Equity7.73%8.31%7.55%12.40%11.75%+402 bps
Net Interest Margin3.62%3.60%3.58%3.50%3.46%-15 bps
Efficiency Ratio75.27%75.58%76.80%78.61%77.72%+245 bps
Growth
Asset Growth (YoY)9.21%8.23%5.76%8.86%9.72%+51 bps
Loan Growth (YoY)9.79%9.00%6.75%6.80%12.83%+305 bps
Share Growth (YoY)9.59%7.88%5.55%7.87%8.37%-122 bps
Asset Quality
Delinquent Loans / Loans0.82%0.82%0.69%0.64%0.61%-20 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.03%9.40%9.44%9.18%9.21%+18 bps
Net Worth / Assets9.03%9.40%9.44%9.18%9.21%+18 bps
Liquidity & Funding
Loans / Shares85.87%84.77%84.63%83.77%89.41%+353 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps