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Go Energy Financial

Tucker, GA · Charter 68698

NCUA · 4 branches

Q2 2026

$152.6MAssets
$113.3MLoans
$134.1MShares
$18.0MNet Worth

Executive Summary

  • Earnings: ROA of 0.70%, up 28 bps year over year; NIM at 4.54%.
  • Asset quality: problem loans at 0.46% of loans (-11 bps YoY).
  • Capital: net worth / assets of 11.82%, up 1 bps from a year ago.
  • Funding: loans stand at 84.49% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.70%+28 bps YoY

Net Interest Margin (YTD, annualized)

4.54%+39 bps YoY

Efficiency Ratio (YTD, annualized)

83.83%-635 bps YoY

Net Worth / Assets

11.82%+1 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.84%0.60%0.15%0.41%0.47%0.49%0.64%0.70%+28 bps
Return on Equity7.28%5.01%1.27%3.51%3.92%4.09%5.53%5.88%+237 bps
Net Interest Margin3.92%4.07%3.96%4.15%4.21%4.30%4.38%4.54%+39 bps
Efficiency Ratio80.67%84.39%95.32%90.18%88.41%87.65%84.52%83.83%-635 bps
Growth
Asset Growth (YoY)1.47%-1.17%-1.24%0.01%-0.59%3.86%3.84%5.15%+513 bps
Loan Growth (YoY)0.19%-1.14%-1.39%1.58%7.63%9.37%14.89%15.80%+1,422 bps
Share Growth (YoY)0.83%-0.08%-0.16%-1.82%-1.72%2.27%2.53%4.72%+655 bps
Asset Quality
Delinquent Loans / Loans1.01%0.91%0.94%0.57%0.65%0.62%0.51%0.46%-11 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.55%11.88%11.43%11.81%11.89%11.89%11.57%11.82%+1 bps
Net Worth / Assets11.55%11.88%11.43%11.81%11.89%11.89%11.57%11.82%+1 bps
Liquidity & Funding
Loans / Shares73.85%75.90%72.77%76.41%80.88%81.18%81.54%84.49%+808 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps