PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Family Security

Decatur, AL · Charter 60605

NCUA · 25 branches

Q2 2026

$1.1BAssets
$417.7MLoans
$876.5MShares
$216.8MNet Worth

Executive Summary

  • Earnings: ROA of 1.98%, down 3 bps year over year; NIM at 3.34%.
  • Asset quality: problem loans at 0.61% of loans (+6 bps YoY).
  • Capital: net worth / assets of 19.93%, up 83 bps from a year ago.
  • Funding: loans stand at 47.66% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.98%-3 bps YoY

Net Interest Margin (YTD, annualized)

3.34%+1 bps YoY

Efficiency Ratio (YTD, annualized)

55.66%+48 bps YoY

Net Worth / Assets

19.93%+83 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.05%2.10%1.86%2.01%2.00%2.04%1.77%1.98%-3 bps
Return on Equity11.05%11.07%9.88%10.50%10.36%10.41%9.07%9.93%-58 bps
Net Interest Margin3.40%3.38%3.28%3.32%3.33%3.32%3.26%3.34%+1 bps
Efficiency Ratio55.52%54.74%56.22%55.18%55.46%55.00%57.85%55.66%+48 bps
Growth
Asset Growth (YoY)3.57%4.76%5.64%6.61%7.57%7.88%7.08%6.42%-19 bps
Loan Growth (YoY)0.11%-3.59%-5.15%-4.89%-4.84%-3.64%-3.45%-3.33%+156 bps
Share Growth (YoY)0.13%3.38%3.93%4.84%5.80%5.41%5.24%5.04%+20 bps
Asset Quality
Delinquent Loans / Loans0.53%0.69%0.58%0.55%0.67%0.70%0.63%0.61%+6 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 Capital18.59%18.97%18.78%19.09%19.29%19.59%19.50%19.93%+83 bps
Net Worth / Assets18.59%18.97%18.78%19.09%19.29%19.59%19.50%19.93%+83 bps
Liquidity & Funding
Loans / Shares56.47%54.66%52.27%51.78%50.79%49.96%47.96%47.66%-413 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps