Norcross, GA · Charter 7825
NCUA · 3 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.15% | 1.13% | 0.65% | 0.92% | 0.86% | 1.02% | 1.09% | 1.16% | +25 bps | |
| Return on Equity | 10.33% | 9.65% | 5.55% | 7.27% | 6.77% | 7.56% | 8.16% | 8.56% | +129 bps | |
| Net Interest Margin | 3.05% | 3.29% | 3.32% | 3.39% | 3.40% | 3.63% | 3.50% | 3.57% | +18 bps | |
| Efficiency Ratio | 79.13% | 80.37% | 87.40% | 83.84% | 85.64% | 84.29% | 82.00% | 82.63% | -120 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.89% | 4.41% | 2.29% | 0.28% | -1.89% | -2.57% | 0.05% | 2.03% | +175 bps | |
| Loan Growth (YoY) | -2.96% | 3.20% | 2.29% | 5.63% | 7.16% | 3.13% | 6.18% | 3.89% | -174 bps | |
| Share Growth (YoY) | 0.32% | 0.79% | -1.18% | -6.17% | -7.81% | -7.49% | -6.55% | -0.97% | +520 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.96% | 0.94% | 0.58% | 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 | 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 | 11.14% | 11.68% | 11.70% | 12.64% | 12.71% | 13.50% | 13.35% | 13.60% | +96 bps | |
| Net Worth / Assets | 11.14% | 11.68% | 11.70% | 12.64% | 12.71% | 13.50% | 13.35% | 13.60% | +96 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.11% | 89.89% | 86.55% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |