Daleville, AL · Charter 17642
NCUA · 40 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 | 0.92% | 0.87% | 0.96% | 0.92% | 1.02% | 1.00% | 1.08% | 1.16% | +24 bps | |
| Return on Equity | 9.52% | 8.97% | 10.05% | 9.63% | 10.57% | 10.23% | 10.96% | 11.44% | +181 bps | |
| Net Interest Margin | 3.32% | 3.35% | 3.50% | 3.59% | 3.70% | 3.74% | 3.96% | 4.05% | +46 bps | |
| Efficiency Ratio | 55.48% | 55.90% | 52.88% | 54.89% | 53.17% | 52.91% | 53.37% | 51.96% | -292 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.28% | 8.80% | 5.70% | 8.94% | 8.27% | 8.88% | 6.57% | 4.54% | -440 bps | |
| Loan Growth (YoY) | 4.63% | 4.95% | 4.22% | 7.54% | 11.20% | 10.88% | 10.76% | 6.77% | -77 bps | |
| Share Growth (YoY) | 18.60% | 12.01% | 8.08% | 9.27% | 10.78% | 10.56% | 7.38% | 4.96% | -430 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.05% | 1.36% | 1.25% | 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 | 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 | 9.67% | 9.68% | 9.55% | 9.54% | 9.66% | 9.75% | 9.85% | 10.11% | +56 bps | |
| Net Worth / Assets | 9.67% | 9.68% | 9.55% | 9.54% | 9.66% | 9.75% | 9.85% | 10.11% | +56 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 86.76% | 86.87% | 84.46% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |