Sheffield, AL · Charter 12478
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 | 2.24% | 2.35% | 2.27% | 1.99% | 1.92% | -32 bps | |
| Return on Equity | 11.97% | 12.16% | 11.32% | 9.82% | 9.38% | -259 bps | |
| Net Interest Margin | 3.75% | 3.81% | 3.88% | 3.75% | 3.71% | -4 bps | |
| Efficiency Ratio | 39.25% | 37.57% | 40.59% | 47.20% | 46.59% | +734 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.19% | 1.71% | 0.94% | 1.13% | 1.52% | -68 bps | |
| Loan Growth (YoY) | -3.45% | -3.32% | -4.48% | -3.61% | -2.36% | +109 bps | |
| Share Growth (YoY) | 0.08% | -0.73% | -1.58% | -1.29% | -0.71% | -80 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.02% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 18.73% | 19.36% | 20.03% | 20.29% | 20.52% | +179 bps | |
| Net Worth / Assets | 18.73% | 19.36% | 20.03% | 20.29% | 20.52% | +179 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 66.46% | 66.03% | 64.96% | 63.57% | 65.36% | -110 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |