Norcross, GA · Charter 7825
NCUA · 3 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (n=19). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
58
Asset Quality
53
Profitability
60
Liquidity
0
Efficiency
58
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Norcross, GA · Charter 7825
NCUA · 3 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.92% | 0.86% | 1.02% | 1.09% | 1.16% | +25 bps | |
| Return on Equity | 7.27% | 6.77% | 7.56% | 8.16% | 8.56% | +129 bps | |
| Net Interest Margin | 3.39% | 3.40% | 3.63% | 3.50% | 3.57% | +18 bps | |
| Efficiency Ratio | 83.84% | 85.64% | 84.29% | 82.00% | 82.63% | -120 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.28% | -1.89% | -2.57% | 0.05% | 2.03% | +175 bps | |
| Loan Growth (YoY) | 5.63% | 7.16% | 3.13% | 6.18% | 3.89% | -174 bps | |
| Share Growth (YoY) | -6.17% | -7.81% | -7.49% | -6.55% | -0.97% | +520 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.89% | 0.73% | 0.82% | 0.68% | 0.50% | -38 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.64% | 12.71% | 13.50% | 13.35% | 13.60% | +96 bps | |
| Net Worth / Assets | 12.64% | 12.71% | 13.50% | 13.35% | 13.60% | +96 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 94.52% | 98.93% | 100.20% | 98.34% | 99.17% | +464 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Norcross, GA · Charter 7825 · Peer group: credit unions under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (n=19)
NCUA · 3 branches
Q2 2026
Return on Assets
1.16%
Rank 7 of 19
Net Interest Margin
3.57%
Rank 11 of 19
Efficiency Ratio
82.64%
Rank 9 of 19
Equity / Assets
13.60%
Rank 8 of 19
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.16% | -0.11% | 0.66% | 1.27% | Beats 63% | 7 / 19 | |
| Return on Equity | 8.56% | -0.53% | 4.88% | 8.56% | Beats 74% | 5 / 19 | |
| Net Interest Margin | 3.57% | 3.04% | 3.58% | 4.03% | Beats 42% | 11 / 19 | |
| Efficiency Ratio | 82.64% | 67.29% | 83.22% | 91.36% | Beats 58% | 9 / 19 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.50% | 0.10% | 0.50% | 1.13% | Beats 53% | 10 / 19 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 13.60% | 10.58% | 12.87% | 17.85% | Beats 58% | 8 / 19 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 13.60% | 10.58% | 12.87% | 17.85% | Beats 58% | 8 / 19 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 99.17% | 41.38% | 66.89% | 77.97% | 95th pctl | 1 / 19 | |
| Loans / Assets | 64.87% | 33.12% | 56.90% | 65.75% | 68th pctl | 6 / 19 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||