Andalusia, AL · Charter 11950
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 | -0.49% | -0.65% | -0.93% | -6.35% | -7.81% | -733 bps | |
| Return on Equity | -1.27% | -1.71% | -2.47% | -18.47% | -24.71% | -2,344 bps | |
| Net Interest Margin | 3.39% | 2.86% | 2.89% | 2.85% | 2.88% | -52 bps | |
| Efficiency Ratio | 37.82% | 43.97% | 76.08% | 160.73% | 244% | +20,650 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.21% | 1.76% | 5.20% | 1.79% | 4.26% | +405 bps | |
| Loan Growth (YoY) | -15.74% | -21.22% | -24.10% | -26.48% | -27.07% | -1,133 bps | |
| Share Growth (YoY) | -0.89% | 2.30% | 7.08% | 10.53% | 16.06% | +1,695 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 6.78% | 7.50% | 9.54% | 8.02% | 6.12% | -67 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.92% | 0.00% | 0.00% | 0.00% | 0.00% | -92 bps | |
| Capital | |||||||
| Risk-Based Capital | 38.29% | 37.94% | 37.77% | 34.38% | 31.62% | -667 bps | |
| Net Worth / Assets | 38.29% | 37.94% | 37.77% | 34.38% | 31.62% | -667 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 83.49% | 74.12% | 66.93% | 60.46% | 52.46% | -3,103 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |