Enterprise, AL · Charter 16556
NCUA · 2 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 | 0.39% | 0.44% | 0.38% | 0.08% | -9.61% | -1,000 bps | |
| Return on Equity | 5.73% | 6.37% | 5.58% | 1.19% | -498% | -50,331 bps | |
| Net Interest Margin | 2.97% | 3.11% | 3.08% | 3.00% | 3.11% | +14 bps | |
| Efficiency Ratio | 80.15% | 83.85% | 84.94% | 87.78% | 302% | +22,143 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.76% | -3.52% | -3.20% | -0.32% | 1.10% | +386 bps | |
| Loan Growth (YoY) | -17.58% | -16.27% | -15.60% | -16.60% | -16.97% | +61 bps | |
| Share Growth (YoY) | -3.54% | -4.50% | -4.23% | -1.40% | 0.64% | +418 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.21% | 2.17% | 2.32% | 2.54% | 2.43% | +22 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 | 6.73% | 6.89% | 6.76% | 6.68% | 1.93% | -480 bps | |
| Net Worth / Assets | 6.73% | 6.89% | 6.76% | 6.68% | 1.93% | -480 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 52.58% | 51.50% | 48.66% | 45.23% | 43.38% | -920 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |