Birmingham, AL · Charter 24421
NCUA · 11 branches
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 | 0.55% | 0.58% | 1.44% | 1.14% | 0.96% | 0.89% | 0.61% | 0.84% | -30 bps | |
| Return on Equity | 4.11% | 4.30% | 10.51% | 8.17% | 7.55% | 7.01% | 4.77% | 6.35% | -182 bps | |
| Net Interest Margin | 2.23% | 2.28% | 2.56% | 2.71% | 2.48% | 2.57% | 2.95% | 3.19% | +48 bps | |
| Efficiency Ratio | 79.49% | 78.29% | 62.80% | 65.92% | 67.22% | 69.33% | 80.23% | 75.39% | +946 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.09% | 0.53% | -0.71% | -0.39% | 12.68% | 14.17% | 12.89% | 11.83% | +1,222 bps | |
| Loan Growth (YoY) | -3.61% | -5.55% | -5.64% | -5.74% | 12.63% | 13.84% | 12.83% | 12.48% | +1,822 bps | |
| Share Growth (YoY) | -1.44% | -0.12% | -2.18% | -2.00% | 11.49% | 12.81% | 12.31% | 12.07% | +1,407 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.55% | 0.53% | 0.34% | 0.46% | 0.32% | 0.91% | 1.07% | 1.64% | +118 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 | 13.38% | 13.56% | 13.70% | 13.95% | 12.71% | 12.74% | 12.85% | 13.28% | -67 bps | |
| Net Worth / Assets | 13.38% | 13.56% | 13.70% | 13.95% | 12.71% | 12.74% | 12.85% | 13.28% | -67 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 69.95% | 68.44% | 66.89% | 67.33% | 70.67% | 69.06% | 67.20% | 67.58% | +25 bps | |
| Liquid Assets / Assets | 0.00% | 99.75% | 99.19% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |