Birmingham, AL · Charter 24583
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 | -0.16% | -1.11% | -0.16% | -0.10% | 0.61% | 0.22% | -0.11% | -1.17% | -107 bps | |
| Return on Equity | -1.07% | -7.71% | -1.17% | -0.77% | 4.26% | 1.60% | -0.78% | -16.42% | -1,565 bps | |
| Net Interest Margin | 4.95% | 4.84% | 4.24% | 3.91% | 4.39% | 4.01% | 3.67% | 2.91% | -100 bps | |
| Efficiency Ratio | 74.54% | 75.88% | 102.80% | 101.96% | 89.31% | 95.77% | 102.25% | 122.23% | +2,027 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.15% | -9.50% | 2.62% | 5.87% | 4.57% | 6.12% | -7.33% | -25.45% | -3,132 bps | |
| Loan Growth (YoY) | -17.33% | -18.67% | -13.73% | -16.73% | -25.71% | -25.99% | -29.06% | -44.50% | -2,777 bps | |
| Share Growth (YoY) | -12.61% | -10.32% | 3.54% | 7.86% | 7.56% | 8.25% | -7.33% | -20.24% | -2,810 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 16.86% | 18.95% | 19.42% | 26.77% | 35.58% | 43.46% | 42.18% | 15.99% | -1,077 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 | 3.68% | 2.80% | 3.54% | 3.78% | 4.35% | 4.64% | 5.30% | 7.41% | +363 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.38% | 14.34% | 13.29% | 12.78% | 14.21% | 13.74% | 14.31% | 7.10% | -568 bps | |
| Net Worth / Assets | 15.38% | 14.34% | 13.29% | 12.78% | 14.21% | 13.74% | 14.31% | 7.10% | -568 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 78.03% | 73.01% | 62.82% | 56.79% | 53.89% | 49.91% | 48.09% | 39.51% | -1,727 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |