PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

North Alabama Educators

Huntsville, AL · Charter 60500

NCUA · 5 branches

Q2 2026

$142.9MAssets
$55.3MLoans
$132.2MShares
$11.3MNet Worth

Executive Summary

  • Earnings: ROA of 0.66%, up 26 bps year over year; NIM at 2.95%.
  • Asset quality: problem loans at 0.72% of loans (+41 bps YoY).
  • Capital: net worth / assets of 7.91%, up 20 bps from a year ago.
  • Funding: loans stand at 41.86% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

0.66%+26 bps YoY

Net Interest Margin (quarter, annualized)

2.95%+28 bps YoY

Efficiency Ratio (quarter, annualized)

80.21%-610 bps YoY

Net Worth / Assets

7.91%+20 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.18%0.16%0.37%0.41%0.39%0.44%0.58%0.66%+26 bps
Return on Equity2.34%2.02%4.92%5.29%5.00%5.70%7.51%8.41%+312 bps
Net Interest Margin2.32%2.37%2.60%2.67%2.72%2.75%2.82%2.95%+28 bps
Efficiency Ratio92.18%92.82%86.99%86.31%85.26%84.22%82.70%80.21%-610 bps
Growth
Asset Growth (YoY)4.30%1.72%3.25%1.95%3.48%4.95%3.95%4.79%+284 bps
Loan Growth (YoY)1.05%-2.29%-2.17%-0.86%0.59%1.73%2.89%3.02%+388 bps
Share Growth (YoY)1.87%1.17%1.79%0.59%2.13%3.08%2.56%3.72%+312 bps
Asset Quality
Delinquent Loans / Loans0.81%0.60%0.29%0.30%0.53%0.46%0.59%0.72%+41 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital7.70%7.73%7.55%7.71%7.73%7.79%7.73%7.91%+20 bps
Net Worth / Assets7.70%7.73%7.55%7.71%7.73%7.79%7.73%7.91%+20 bps
Liquidity & Funding
Loans / Shares43.40%42.80%41.35%42.14%42.74%42.24%41.49%41.86%-29 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps