Phenix City, AL · Charter 13852
NCUA · 3 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 | -0.59% | -1.40% | 0.05% | 0.05% | 0.08% | 0.12% | 0.08% | 0.24% | +19 bps | |
| Return on Equity | -3.62% | -8.95% | 0.36% | 0.30% | 0.50% | 0.74% | 0.49% | 1.46% | +116 bps | |
| Net Interest Margin | 3.78% | 3.97% | 4.36% | 4.55% | 4.69% | 4.82% | 5.26% | 5.55% | +100 bps | |
| Efficiency Ratio | 94.62% | 110.01% | 91.89% | 90.40% | 89.32% | 87.45% | 85.63% | 85.50% | -489 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.90% | -6.42% | -4.39% | -3.60% | -2.86% | -1.01% | -1.82% | -2.59% | +101 bps | |
| Loan Growth (YoY) | 16.94% | 16.69% | 19.19% | 14.25% | 12.58% | 16.28% | 11.68% | 12.24% | -201 bps | |
| Share Growth (YoY) | -7.94% | -7.48% | -5.38% | -5.28% | -3.79% | -1.67% | -2.49% | -3.15% | +212 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.55% | 0.64% | 0.81% | 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 | 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 | 16.28% | 15.66% | 15.35% | 15.64% | 15.86% | 15.94% | 15.76% | 16.27% | +63 bps | |
| Net Worth / Assets | 16.28% | 15.66% | 15.35% | 15.64% | 15.86% | 15.94% | 15.76% | 16.27% | +63 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 68.64% | 70.60% | 73.23% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |