Birmingham, AL · Charter 24534
NCUA · 22 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 | 1.15% | 1.08% | 1.08% | 1.38% | 1.48% | 1.39% | 0.75% | 1.24% | -14 bps | |
| Return on Equity | 10.12% | 9.39% | 9.43% | 11.75% | 12.27% | 11.55% | 6.25% | 10.14% | -162 bps | |
| Net Interest Margin | 2.88% | 2.98% | 3.31% | 3.41% | 3.46% | 3.43% | 3.50% | 3.55% | +15 bps | |
| Efficiency Ratio | 66.43% | 66.67% | 64.66% | 61.87% | 60.22% | 62.74% | 72.50% | 65.79% | +393 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.88% | 4.11% | 3.59% | 3.78% | 4.40% | 6.72% | 5.93% | 6.94% | +316 bps | |
| Loan Growth (YoY) | 5.37% | 5.86% | 7.92% | 9.36% | 10.54% | 8.32% | 4.33% | 2.69% | -667 bps | |
| Share Growth (YoY) | 3.81% | 3.78% | 3.04% | 3.30% | 3.44% | 5.81% | 5.12% | 6.02% | +272 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.71% | 0.78% | 0.62% | 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 | 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 | 11.32% | 11.45% | 11.41% | 11.76% | 12.10% | 12.05% | 12.01% | 12.25% | +49 bps | |
| Net Worth / Assets | 11.32% | 11.45% | 11.41% | 11.76% | 12.10% | 12.05% | 12.01% | 12.25% | +49 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 89.01% | 90.76% | 91.24% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |