Jesup, GA · Charter 68717
NCUA · 7 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 | 1.11% | 1.32% | 2.08% | 1.97% | 1.96% | 1.95% | 1.96% | 2.43% | +46 bps | |
| Return on Equity | 8.00% | 9.52% | 14.62% | 13.71% | 13.44% | 13.19% | 13.04% | 15.64% | +193 bps | |
| Net Interest Margin | 3.03% | 3.04% | 3.63% | 3.68% | 3.71% | 3.71% | 3.79% | 3.89% | +21 bps | |
| Efficiency Ratio | 68.66% | 67.05% | 61.54% | 61.37% | 60.97% | 60.77% | 61.32% | 57.21% | -415 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.78% | 10.87% | 6.46% | 7.46% | 9.74% | 7.10% | 7.95% | 6.63% | -83 bps | |
| Loan Growth (YoY) | 2.62% | 5.44% | 13.58% | 14.69% | 15.11% | 11.06% | 2.83% | 2.65% | -1,204 bps | |
| Share Growth (YoY) | 6.68% | 10.96% | 5.52% | 6.31% | 8.08% | 5.46% | 6.60% | 5.31% | -100 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.97% | 0.49% | 0.40% | 0.57% | 0.59% | 0.53% | 0.31% | 0.54% | -4 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 | 13.92% | 13.85% | 14.23% | 14.34% | 14.57% | 14.77% | 15.00% | 15.55% | +120 bps | |
| Net Worth / Assets | 13.92% | 13.85% | 14.23% | 14.34% | 14.57% | 14.77% | 15.00% | 15.55% | +120 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 93.33% | 91.74% | 97.96% | 99.47% | 99.40% | 96.62% | 94.49% | 96.96% | -251 bps | |
| Liquid Assets / Assets | 99.78% | 99.96% | 0.00% | 99.47% | 99.08% | 99.66% | 99.74% | 0.00% | -9,947 bps | |