Andalusia, AL · Charter 23990
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.55% | 0.79% | 0.72% | 0.86% | 0.80% | +25 bps | |
| Return on Equity | 2.70% | 3.92% | 3.35% | 4.17% | 3.93% | +123 bps | |
| Net Interest Margin | 4.01% | 3.92% | 3.85% | 3.83% | 3.88% | -13 bps | |
| Efficiency Ratio | 89.94% | 87.98% | 88.45% | 84.83% | 83.88% | -606 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.95% | 3.11% | 10.88% | 7.81% | 3.49% | +154 bps | |
| Loan Growth (YoY) | -4.39% | -12.77% | -5.98% | 0.09% | -9.03% | -463 bps | |
| Share Growth (YoY) | 1.66% | 2.98% | 13.11% | 9.05% | 3.48% | +182 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.41% | 1.15% | 0.20% | 0.45% | 0.35% | -6 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.65% | 0.46% | 0.46% | 0.47% | 0.47% | -18 bps | |
| Capital | |||||||
| Risk-Based Capital | 20.49% | 20.04% | 21.36% | 20.65% | 20.50% | +1 bps | |
| Net Worth / Assets | 20.49% | 20.04% | 21.36% | 20.65% | 20.50% | +1 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 37.97% | 32.93% | 38.47% | 35.27% | 33.38% | -459 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |