Savannah, GA · Charter 9527
NCUA · 1 branch
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 | 0.69% | 0.07% | 1.05% | 0.58% | 0.74% | +4 bps | |
| Return on Equity | 4.07% | 0.44% | 6.19% | 3.64% | 4.97% | +90 bps | |
| Net Interest Margin | 4.04% | 3.86% | 3.76% | 4.17% | 3.66% | -38 bps | |
| Efficiency Ratio | 95.38% | 100.09% | 82.81% | 91.41% | 82.84% | -1,254 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.06% | 10.84% | 9.55% | 11.15% | 23.10% | +2,416 bps | |
| Loan Growth (YoY) | -34.50% | 22.49% | -18.90% | 2.39% | 25.60% | +6,010 bps | |
| Share Growth (YoY) | -4.03% | 10.89% | 9.10% | 11.77% | 26.76% | +3,079 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.15% | 10.60% | 0.00% | 0.00% | 13.99% | +1,185 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.22% | 4.33% | 2.37% | 2.56% | 2.74% | -49 bps | |
| Capital | |||||||
| Risk-Based Capital | 17.02% | 15.98% | 16.91% | 15.94% | 14.81% | -221 bps | |
| Net Worth / Assets | 17.02% | 15.98% | 16.91% | 15.94% | 14.81% | -221 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 6.46% | 9.64% | 8.70% | 7.29% | 6.40% | -6 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |