Bessemer, AL · Charter 12837
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 | 1.04% | 0.92% | 0.89% | 0.24% | 0.64% | -40 bps | |
| Return on Equity | 5.71% | 5.07% | 4.96% | 1.35% | 3.50% | -221 bps | |
| Net Interest Margin | 4.07% | 4.45% | 4.39% | 3.98% | 4.13% | +6 bps | |
| Efficiency Ratio | 72.28% | 73.77% | 73.73% | 89.00% | 82.43% | +1,015 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.66% | 0.36% | 0.52% | 0.80% | 3.69% | +635 bps | |
| Loan Growth (YoY) | 2.13% | 12.01% | 8.02% | 11.91% | -0.32% | -245 bps | |
| Share Growth (YoY) | -4.40% | -1.60% | 0.67% | -1.18% | 3.54% | +794 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.29% | 0.87% | 0.71% | 1.16% | 1.02% | -27 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.96% | 4.08% | 4.49% | 4.36% | 4.33% | -63 bps | |
| Capital | |||||||
| Risk-Based Capital | 18.13% | 18.08% | 18.03% | 17.64% | 18.19% | +6 bps | |
| Net Worth / Assets | 18.13% | 18.08% | 18.03% | 17.64% | 18.19% | +6 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 40.03% | 42.67% | 41.16% | 42.44% | 38.53% | -149 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |