Enterprise, AL · Charter 16556
NCUA · 2 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 | -0.20% | -0.18% | -0.41% | 0.39% | 0.44% | 0.38% | 0.08% | -9.61% | -1,000 bps | |
| Return on Equity | -3.13% | -2.80% | -6.54% | 5.73% | 6.37% | 5.58% | 1.19% | -498% | -50,331 bps | |
| Net Interest Margin | 2.86% | 2.84% | 2.89% | 2.97% | 3.11% | 3.08% | 3.00% | 3.11% | +14 bps | |
| Efficiency Ratio | 95.65% | 95.79% | 94.48% | 80.15% | 83.85% | 84.94% | 87.78% | 302% | +22,143 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.95% | -1.53% | -0.85% | -2.76% | -3.52% | -3.20% | -0.32% | 1.10% | +386 bps | |
| Loan Growth (YoY) | -19.22% | -19.59% | -18.94% | -17.58% | -16.27% | -15.60% | -16.60% | -16.97% | +61 bps | |
| Share Growth (YoY) | -3.84% | 2.64% | -1.28% | -3.54% | -4.50% | -4.23% | -1.40% | 0.64% | +418 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.09% | 1.78% | 1.98% | 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 | 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 | 6.46% | 6.29% | 6.27% | 6.73% | 6.89% | 6.76% | 6.68% | 1.93% | -480 bps | |
| Net Worth / Assets | 6.46% | 6.29% | 6.27% | 6.73% | 6.89% | 6.76% | 6.68% | 1.93% | -480 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 58.74% | 55.21% | 53.47% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |