Birmingham, AL · Charter 24534
NCUA · 22 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 | 1.38% | 1.48% | 1.39% | 0.75% | 1.24% | -14 bps | |
| Return on Equity | 11.75% | 12.27% | 11.55% | 6.25% | 10.14% | -162 bps | |
| Net Interest Margin | 3.41% | 3.46% | 3.43% | 3.50% | 3.55% | +15 bps | |
| Efficiency Ratio | 61.87% | 60.22% | 62.74% | 72.50% | 65.79% | +393 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.78% | 4.40% | 6.72% | 5.93% | 6.94% | +316 bps | |
| Loan Growth (YoY) | 9.36% | 10.54% | 8.32% | 4.33% | 2.69% | -667 bps | |
| Share Growth (YoY) | 3.30% | 3.44% | 5.81% | 5.12% | 6.02% | +272 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.83% | 0.78% | 0.94% | 0.77% | 0.77% | -5 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 | 11.76% | 12.10% | 12.05% | 12.01% | 12.25% | +49 bps | |
| Net Worth / Assets | 11.76% | 12.10% | 12.05% | 12.01% | 12.25% | +49 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 93.87% | 95.13% | 92.91% | 90.56% | 90.92% | -294 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |