Birmingham, AL · Charter 11975
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 | 0.85% | 0.78% | 0.59% | 1.10% | 1.01% | 0.95% | 0.62% | 1.06% | -5 bps | |
| Return on Equity | 9.79% | 9.29% | 6.71% | 11.70% | 10.43% | 10.16% | 6.34% | 10.43% | -127 bps | |
| Net Interest Margin | 3.13% | 3.03% | 3.23% | 3.43% | 3.53% | 3.40% | 3.67% | 3.87% | +44 bps | |
| Efficiency Ratio | 76.86% | 78.08% | 80.65% | 73.62% | 76.01% | 76.77% | 82.44% | 75.49% | +187 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.35% | 3.70% | 0.08% | -2.05% | -1.51% | -0.28% | -1.53% | 2.03% | +408 bps | |
| Loan Growth (YoY) | 8.99% | 0.51% | -5.08% | -6.94% | -9.76% | -4.63% | -6.32% | -8.33% | -139 bps | |
| Share Growth (YoY) | -4.45% | 2.60% | -1.20% | -2.07% | -2.68% | -1.55% | -2.47% | 0.88% | +295 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.39% | 0.00% | 0.30% | 0.25% | 0.08% | 0.10% | 1.91% | 0.40% | +15 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 | 8.68% | 8.44% | 8.77% | 9.41% | 9.69% | 9.35% | 9.83% | 10.13% | +71 bps | |
| Net Worth / Assets | 8.68% | 8.44% | 8.77% | 9.41% | 9.69% | 9.35% | 9.83% | 10.13% | +71 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 51.80% | 49.48% | 48.18% | 50.44% | 48.03% | 47.94% | 46.28% | 45.84% | -460 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |