Bessemer, AL · Charter 1601
NCUA · 1 branch
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 | 0.60% | 0.11% | -3.12% | -1.03% | -0.29% | -0.08% | 0.38% | 0.90% | +193 bps | |
| Return on Equity | 2.52% | 0.45% | -13.84% | -4.60% | -1.22% | -0.34% | 1.62% | 3.92% | +852 bps | |
| Net Interest Margin | 4.45% | 4.61% | 5.39% | 4.89% | 5.17% | 5.22% | 4.73% | 4.75% | -15 bps | |
| Efficiency Ratio | 87.24% | 83.86% | 76.50% | 77.51% | 77.55% | 80.99% | 92.44% | 82.19% | +467 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.07% | -4.40% | -0.88% | 1.79% | -0.69% | 0.66% | 0.42% | 1.94% | +15 bps | |
| Loan Growth (YoY) | -3.35% | -0.59% | 1.68% | -0.07% | 11.50% | 6.26% | 0.49% | -4.81% | -474 bps | |
| Share Growth (YoY) | -4.47% | -5.76% | -0.10% | 2.79% | -0.24% | 0.64% | -0.43% | 1.30% | -149 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.91% | 1.93% | 0.31% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 2.87% | 3.11% | 3.38% | 3.36% | 2.18% | 2.32% | 2.61% | 2.73% | -64 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 24.00% | 23.97% | 22.58% | 22.50% | 23.60% | 23.73% | 23.28% | 22.96% | +45 bps | |
| Net Worth / Assets | 24.00% | 23.97% | 22.58% | 22.50% | 23.60% | 23.73% | 23.28% | 22.96% | +45 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 45.41% | 43.93% | 42.56% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |