Savannah, GA · Charter 9408
NCUA · 2 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 | 0.92% | 0.14% | 0.99% | 1.04% | 1.13% | 1.03% | 0.25% | 0.31% | -73 bps | |
| Return on Equity | 8.33% | 1.32% | 9.33% | 9.53% | 10.03% | 8.98% | 2.17% | 2.76% | -678 bps | |
| Net Interest Margin | 4.21% | 4.24% | 3.61% | 3.70% | 3.72% | 3.70% | 3.50% | 3.50% | -20 bps | |
| Efficiency Ratio | 68.90% | 70.78% | 86.09% | 82.27% | 81.72% | 82.59% | 92.98% | 88.90% | +663 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.12% | -0.91% | 1.66% | 1.63% | 0.94% | 2.81% | 1.70% | 2.95% | +132 bps | |
| Loan Growth (YoY) | 0.67% | -1.00% | -6.75% | -6.62% | -4.65% | -3.97% | -0.05% | 2.22% | +884 bps | |
| Share Growth (YoY) | 0.95% | -0.99% | 1.75% | 1.41% | 0.86% | 1.97% | 0.75% | 2.74% | +132 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.11% | 4.19% | 1.39% | 1.06% | 1.02% | 1.05% | 0.91% | 1.29% | +23 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 | 11.09% | 10.76% | 10.67% | 10.96% | 11.28% | 11.50% | 11.31% | 11.29% | +33 bps | |
| Net Worth / Assets | 11.09% | 10.76% | 10.67% | 10.96% | 11.28% | 11.50% | 11.31% | 11.29% | +33 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 36.32% | 36.85% | 33.80% | 34.50% | 34.33% | 34.71% | 33.53% | 34.33% | -17 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |