Bay Minette, AL · Charter 13329
NCUA · 2 branches
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 | 1.20% | 1.49% | 1.01% | 0.56% | 0.73% | -47 bps | |
| Return on Equity | 9.89% | 11.95% | 8.10% | 4.63% | 6.09% | -379 bps | |
| Net Interest Margin | 3.80% | 3.84% | 3.61% | 3.01% | 3.06% | -74 bps | |
| Efficiency Ratio | 72.75% | 68.14% | 77.08% | 85.88% | 81.62% | +888 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.07% | 3.88% | 3.37% | 6.80% | 7.61% | +554 bps | |
| Loan Growth (YoY) | -2.74% | -7.28% | -2.72% | -4.09% | -5.41% | -266 bps | |
| Share Growth (YoY) | 1.73% | 3.33% | 2.95% | 7.18% | 7.21% | +548 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.04% | 0.00% | 0.69% | 0.00% | 0.27% | +23 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 | 12.13% | 12.43% | 12.47% | 12.01% | 12.03% | -11 bps | |
| Net Worth / Assets | 12.13% | 12.43% | 12.47% | 12.01% | 12.03% | -11 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 43.95% | 41.93% | 43.02% | 40.22% | 38.77% | -517 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |