Birmingham, AL · Charter 60501
NCUA · 7 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.12% | 0.79% | 0.03% | 0.03% | 0.15% | 0.15% | 0.19% | 0.26% | +22 bps | |
| Return on Equity | 1.34% | 8.68% | 0.38% | 0.36% | 1.64% | 1.71% | 2.18% | 2.82% | +245 bps | |
| Net Interest Margin | 2.66% | 2.66% | 2.94% | 3.07% | 3.16% | 3.20% | 3.34% | 3.41% | +34 bps | |
| Efficiency Ratio | 95.12% | 83.59% | 99.30% | 99.35% | 96.14% | 95.40% | 92.81% | 91.47% | -789 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.79% | 3.40% | 5.40% | 4.24% | 4.14% | 2.14% | 0.82% | 0.74% | -350 bps | |
| Loan Growth (YoY) | -7.34% | -6.17% | -4.30% | -1.59% | 2.04% | 4.80% | 5.92% | 5.47% | +706 bps | |
| Share Growth (YoY) | -1.49% | 1.02% | 2.87% | 1.99% | 2.36% | 1.53% | 0.43% | 0.24% | -174 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.09% | 0.07% | 0.12% | 0.10% | 0.10% | 0.10% | 0.44% | 0.19% | +9 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 | 8.63% | 9.08% | 8.84% | 8.90% | 9.01% | 9.00% | 8.92% | 9.06% | +16 bps | |
| Net Worth / Assets | 8.63% | 9.08% | 8.84% | 8.90% | 9.01% | 9.00% | 8.92% | 9.06% | +16 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 67.58% | 66.22% | 64.50% | 64.86% | 67.37% | 68.36% | 68.03% | 68.24% | +338 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |