Valley, AL · Charter 24221
NCUA · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.54% | 1.53% | 1.47% | 1.68% | 1.68% | 1.64% | 1.55% | 1.33% | -35 bps | |
| Return on Equity | 11.60% | 11.40% | 10.75% | 11.97% | 11.94% | 11.42% | 10.54% | 8.89% | -308 bps | |
| Net Interest Margin | 4.43% | 4.87% | 4.71% | 4.77% | 4.70% | 4.76% | 4.73% | 4.75% | -2 bps | |
| Efficiency Ratio | 72.00% | 72.73% | 72.04% | 70.72% | 70.95% | 71.36% | 71.67% | 72.88% | +216 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.28% | 5.80% | 2.82% | 3.64% | 6.32% | 5.30% | 4.55% | 3.22% | -41 bps | |
| Loan Growth (YoY) | 8.73% | 7.18% | 11.63% | 14.93% | 17.88% | 22.41% | 14.78% | 13.40% | -153 bps | |
| Share Growth (YoY) | 1.10% | 4.75% | 1.51% | 1.53% | 5.78% | 6.16% | 4.06% | 4.55% | +302 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.19% | 0.33% | 0.15% | 0.22% | 0.11% | 0.71% | 0.61% | 0.51% | +29 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 | 13.28% | 13.46% | 13.67% | 14.03% | 14.04% | 14.34% | 14.67% | 15.01% | +98 bps | |
| Net Worth / Assets | 13.28% | 13.46% | 13.67% | 14.03% | 14.04% | 14.34% | 14.67% | 15.01% | +98 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 64.11% | 64.00% | 68.02% | 71.18% | 71.45% | 73.79% | 75.03% | 77.21% | +603 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |