Decatur, AL · Charter 60605
NCUA · 25 branches
Q2 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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.01% | 2.00% | 2.04% | 1.77% | 1.98% | -3 bps | |
| Return on Equity | 10.50% | 10.36% | 10.41% | 9.07% | 9.93% | -58 bps | |
| Net Interest Margin | 3.32% | 3.33% | 3.32% | 3.26% | 3.34% | +1 bps | |
| Efficiency Ratio | 55.18% | 55.46% | 55.00% | 57.85% | 55.66% | +48 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.61% | 7.57% | 7.88% | 7.08% | 6.42% | -19 bps | |
| Loan Growth (YoY) | -4.89% | -4.84% | -3.64% | -3.45% | -3.33% | +156 bps | |
| Share Growth (YoY) | 4.84% | 5.80% | 5.41% | 5.24% | 5.04% | +20 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.55% | 0.67% | 0.70% | 0.63% | 0.61% | +6 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 19.09% | 19.29% | 19.59% | 19.50% | 19.93% | +83 bps | |
| Net Worth / Assets | 19.09% | 19.29% | 19.59% | 19.50% | 19.93% | +83 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 51.78% | 50.79% | 49.96% | 47.96% | 47.66% | -413 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |