Anniston, AL · Charter 11056
NCUA · 1 branch
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 | -2.42% | -2.49% | -1.77% | -0.49% | -0.15% | 0.61% | 0.65% | 0.37% | +86 bps | |
| Return on Equity | -15.44% | -17.32% | -12.35% | -3.05% | -0.91% | 3.64% | 4.11% | 2.62% | +567 bps | |
| Net Interest Margin | 1.81% | 2.06% | 2.81% | 3.05% | 3.25% | 3.72% | 3.27% | 2.79% | -26 bps | |
| Efficiency Ratio | 227% | 222% | 157.15% | 114.71% | 104.28% | 96.35% | 93.63% | 94.70% | -2,001 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.84% | -5.15% | -9.03% | -11.19% | -11.46% | -5.60% | 2.60% | 15.22% | +2,641 bps | |
| Loan Growth (YoY) | -9.03% | 2.76% | 9.26% | 13.61% | 5.60% | -3.48% | -5.28% | -9.48% | -2,309 bps | |
| Share Growth (YoY) | 3.05% | -2.75% | -7.98% | -11.56% | -12.36% | -8.75% | 0.30% | 17.65% | +2,921 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.01% | 1.14% | 1.34% | 1.46% | 1.34% | 1.08% | 0.69% | 1.06% | -41 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 | 15.70% | 14.39% | 14.32% | 16.05% | 16.34% | 16.80% | 15.78% | 14.12% | -193 bps | |
| Net Worth / Assets | 15.70% | 14.39% | 14.32% | 16.05% | 16.34% | 16.80% | 15.78% | 14.12% | -193 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 71.80% | 83.38% | 85.60% | 88.06% | 86.51% | 88.20% | 80.84% | 67.75% | -2,031 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |