Phenix City, AL · Charter 13852
NCUA · 3 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.05% | 0.08% | 0.12% | 0.08% | 0.24% | +19 bps | |
| Return on Equity | 0.30% | 0.50% | 0.74% | 0.49% | 1.46% | +116 bps | |
| Net Interest Margin | 4.55% | 4.69% | 4.82% | 5.26% | 5.55% | +100 bps | |
| Efficiency Ratio | 90.40% | 89.32% | 87.45% | 85.63% | 85.50% | -489 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.60% | -2.86% | -1.01% | -1.82% | -2.59% | +101 bps | |
| Loan Growth (YoY) | 14.25% | 12.58% | 16.28% | 11.68% | 12.24% | -201 bps | |
| Share Growth (YoY) | -5.28% | -3.79% | -1.67% | -2.49% | -3.15% | +212 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.88% | 0.89% | 1.03% | 0.57% | 1.01% | +13 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 | 15.64% | 15.86% | 15.94% | 15.76% | 16.27% | +63 bps | |
| Net Worth / Assets | 15.64% | 15.86% | 15.94% | 15.76% | 16.27% | +63 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 76.38% | 80.32% | 83.48% | 83.88% | 88.52% | +1,214 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |