Montgomery, AL · Charter 5345
NCUA · 1 branch
Q1 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.74% | -0.53% | -0.51% | -0.25% | -0.36% | +38 bps | |
| Return on Equity | -6.77% | -4.82% | -4.41% | -2.15% | -2.92% | +385 bps | |
| Net Interest Margin | 4.03% | 4.08% | 4.26% | 3.98% | 3.92% | -11 bps | |
| Efficiency Ratio | 110.29% | 106.62% | 106.77% | 101.75% | 120.57% | +1,028 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.69% | -1.59% | -3.68% | -5.49% | -11.67% | -1,236 bps | |
| Loan Growth (YoY) | -8.37% | -13.03% | -21.68% | -27.12% | -32.82% | -2,445 bps | |
| Share Growth (YoY) | 1.82% | -0.86% | -3.52% | -5.41% | -12.31% | -1,413 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.76% | 3.79% | 3.23% | 3.55% | 0.49% | -327 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.69% | 0.85% | 1.00% | 1.27% | 0.81% | +13 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.93% | 11.06% | 11.50% | 11.56% | 12.20% | +127 bps | |
| Net Worth / Assets | 10.93% | 11.06% | 11.50% | 11.56% | 12.20% | +127 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 32.99% | 30.98% | 29.82% | 26.21% | 25.27% | -771 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |