Rome, GA · Charter 68683
NCUA · 12 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 | 0.73% | 0.66% | 0.81% | 0.70% | 0.78% | 0.71% | 1.14% | 1.08% | +38 bps | |
| Return on Equity | 7.51% | 6.92% | 8.91% | 7.73% | 8.31% | 7.55% | 12.40% | 11.75% | +402 bps | |
| Net Interest Margin | 3.78% | 3.67% | 3.62% | 3.62% | 3.60% | 3.58% | 3.50% | 3.46% | -15 bps | |
| Efficiency Ratio | 73.46% | 74.72% | 72.97% | 75.27% | 75.58% | 76.80% | 78.61% | 77.72% | +245 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.17% | 6.80% | 6.88% | 9.21% | 8.23% | 5.76% | 8.86% | 9.72% | +51 bps | |
| Loan Growth (YoY) | 4.80% | 7.00% | 10.98% | 9.79% | 9.00% | 6.75% | 6.80% | 12.83% | +305 bps | |
| Share Growth (YoY) | 6.36% | 7.95% | 8.68% | 9.59% | 7.88% | 5.55% | 7.87% | 8.37% | -122 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.93% | 0.91% | 0.64% | 0.82% | 0.82% | 0.69% | 0.64% | 0.61% | -20 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 | 9.69% | 9.51% | 9.04% | 9.03% | 9.40% | 9.44% | 9.18% | 9.21% | +18 bps | |
| Net Worth / Assets | 9.69% | 9.51% | 9.04% | 9.03% | 9.40% | 9.44% | 9.18% | 9.21% | +18 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 83.90% | 83.68% | 84.61% | 85.87% | 84.77% | 84.63% | 83.77% | 89.41% | +353 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |