Daleville, AL · Charter 17642
NCUA · 40 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 | 0.92% | 1.02% | 1.00% | 1.08% | 1.16% | +24 bps | |
| Return on Equity | 9.63% | 10.57% | 10.23% | 10.96% | 11.44% | +181 bps | |
| Net Interest Margin | 3.59% | 3.70% | 3.74% | 3.96% | 4.05% | +46 bps | |
| Efficiency Ratio | 54.89% | 53.17% | 52.91% | 53.37% | 51.96% | -292 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.94% | 8.27% | 8.88% | 6.57% | 4.54% | -440 bps | |
| Loan Growth (YoY) | 7.54% | 11.20% | 10.88% | 10.76% | 6.77% | -77 bps | |
| Share Growth (YoY) | 9.27% | 10.78% | 10.56% | 7.38% | 4.96% | -430 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.24% | 1.45% | 1.87% | 1.71% | 1.76% | +52 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 | 9.54% | 9.66% | 9.75% | 9.85% | 10.11% | +56 bps | |
| Net Worth / Assets | 9.54% | 9.66% | 9.75% | 9.85% | 10.11% | +56 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 86.53% | 87.09% | 87.12% | 87.13% | 88.02% | +149 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |