Birmingham, AL · Charter 11123
NCUA · 2 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 | -0.49% | -0.53% | -0.93% | -0.13% | -0.13% | 0.09% | -0.03% | 0.12% | +25 bps | |
| Return on Equity | -1.33% | -1.44% | -2.58% | -0.34% | -0.33% | 0.23% | -0.07% | 0.32% | +66 bps | |
| Net Interest Margin | 2.26% | 2.21% | 3.06% | 3.06% | 2.91% | 2.99% | 2.47% | 2.75% | -31 bps | |
| Efficiency Ratio | 124.05% | 125.90% | 126.67% | 102.23% | 102.93% | 97.08% | 101.05% | 89.94% | -1,230 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.14% | -2.96% | -1.42% | -1.95% | -4.01% | -2.67% | -5.32% | -3.66% | -171 bps | |
| Loan Growth (YoY) | 11.68% | 12.59% | 6.92% | 0.26% | 21.61% | 46.10% | 45.52% | 47.98% | +4,772 bps | |
| Share Growth (YoY) | -2.21% | -4.18% | -1.63% | -3.06% | -6.11% | -4.60% | -9.11% | -6.37% | -331 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.10% | 0.00% | 0.72% | 0.17% | 0.00% | 0.43% | 0.00% | 0.00% | -17 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 | 0.69% | 0.68% | 0.92% | 0.97% | 0.68% | 0.57% | 0.16% | 0.61% | -36 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 36.36% | 36.48% | 36.24% | 36.53% | 37.62% | 37.55% | 38.55% | 38.07% | +154 bps | |
| Net Worth / Assets | 36.36% | 36.48% | 36.24% | 36.53% | 37.62% | 37.55% | 38.55% | 38.07% | +154 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 22.69% | 23.07% | 21.94% | 20.85% | 29.39% | 35.32% | 35.14% | 32.96% | +1,211 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |