Bessemer, AL · Charter 1601
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 | -1.03% | -0.29% | -0.08% | 0.38% | 0.90% | +193 bps | |
| Return on Equity | -4.60% | -1.22% | -0.34% | 1.62% | 3.92% | +852 bps | |
| Net Interest Margin | 4.89% | 5.17% | 5.22% | 4.73% | 4.75% | -15 bps | |
| Efficiency Ratio | 77.51% | 77.55% | 80.99% | 92.44% | 82.19% | +467 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.79% | -0.69% | 0.66% | 0.42% | 1.94% | +15 bps | |
| Loan Growth (YoY) | -0.07% | 11.50% | 6.26% | 0.49% | -4.81% | -474 bps | |
| Share Growth (YoY) | 2.79% | -0.24% | 0.64% | -0.43% | 1.30% | -149 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.84% | 0.19% | 2.83% | 1.98% | 8.36% | +553 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.36% | 2.18% | 2.32% | 2.61% | 2.73% | -64 bps | |
| Capital | |||||||
| Risk-Based Capital | 22.50% | 23.60% | 23.73% | 23.28% | 22.96% | +45 bps | |
| Net Worth / Assets | 22.50% | 23.60% | 23.73% | 23.28% | 22.96% | +45 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 43.32% | 50.76% | 46.38% | 42.96% | 40.71% | -261 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |