Demopolis, AL · Charter 17311
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 | 6.77% | 6.08% | 12.00% | 7.43% | 6.52% | 6.15% | 4.38% | 3.20% | -423 bps | |
| Return on Equity | 19.31% | 16.84% | 32.91% | 23.49% | 19.87% | 18.04% | 8.05% | 5.83% | -1,766 bps | |
| Net Interest Margin | 5.77% | 5.87% | 5.84% | 5.10% | 5.42% | 5.51% | 5.37% | 5.35% | +25 bps | |
| Efficiency Ratio | 45.82% | 50.45% | 34.45% | 43.01% | 46.35% | 48.88% | 55.38% | 63.16% | +2,014 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.50% | 13.78% | 18.95% | 40.07% | 29.16% | 29.30% | 24.16% | 3.70% | -3,637 bps | |
| Loan Growth (YoY) | 20.74% | 39.28% | 36.35% | 24.51% | 21.47% | 4.87% | 0.89% | -1.47% | -2,598 bps | |
| Share Growth (YoY) | 15.60% | 19.81% | 29.98% | 21.88% | 5.80% | 3.86% | 3.44% | 7.48% | -1,440 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.20% | 0.30% | 0.22% | 0.22% | 0.52% | 1.06% | 0.73% | 0.54% | +32 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 | 0.74% | 0.63% | 0.62% | 0.48% | 0.43% | 0.41% | 0.43% | 0.38% | -10 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 35.06% | 36.14% | 36.48% | 31.65% | 32.81% | 34.10% | 54.46% | 54.89% | +2,325 bps | |
| Net Worth / Assets | 35.06% | 36.14% | 36.48% | 31.65% | 32.81% | 34.10% | 54.46% | 54.89% | +2,325 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 83.47% | 100.10% | 93.44% | 94.45% | 95.83% | 101.06% | 91.14% | 86.59% | -786 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |