Birmingham, AL · Charter 15938
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 | 2.69% | 2.58% | 1.30% | 1.07% | 0.61% | -208 bps | |
| Return on Equity | 30.26% | 26.88% | 14.34% | 11.55% | 6.56% | -2,370 bps | |
| Net Interest Margin | 4.99% | 5.16% | 5.20% | 5.27% | 5.40% | +40 bps | |
| Efficiency Ratio | 62.87% | 67.80% | 77.26% | 78.89% | 87.69% | +2,483 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.84% | 1.61% | 3.57% | -1.09% | -2.81% | -197 bps | |
| Loan Growth (YoY) | 10.21% | 6.85% | 2.73% | 7.53% | 7.03% | -317 bps | |
| Share Growth (YoY) | -2.62% | -0.46% | 2.26% | -1.92% | -3.38% | -77 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 14.79% | 16.09% | 14.57% | 10.02% | 12.33% | -246 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.59% | 0.60% | 0.89% | 0.76% | 0.78% | +19 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.89% | 9.61% | 9.03% | 9.27% | 9.37% | +48 bps | |
| Net Worth / Assets | 8.89% | 9.61% | 9.03% | 9.27% | 9.37% | +48 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 74.76% | 77.12% | 77.80% | 82.60% | 82.82% | +806 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |