Birmingham, AL · Charter 60712
NCUA · 9 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.79% | 0.82% | 0.76% | 0.70% | 0.94% | +15 bps | |
| Return on Equity | 8.66% | 8.83% | 7.96% | 7.51% | 9.76% | +110 bps | |
| Net Interest Margin | 3.80% | 3.82% | 3.86% | 3.61% | 3.78% | -2 bps | |
| Efficiency Ratio | 83.74% | 83.51% | 85.06% | 85.89% | 81.17% | -257 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.59% | 4.86% | 3.42% | 5.71% | 3.16% | -43 bps | |
| Loan Growth (YoY) | -5.56% | -2.69% | -5.90% | -4.55% | -0.82% | +474 bps | |
| Share Growth (YoY) | 8.83% | 10.38% | 2.53% | 5.06% | 2.01% | -683 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.15% | 0.10% | 0.34% | 0.27% | 0.44% | +29 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 | 9.16% | 9.30% | 9.52% | 9.30% | 9.64% | +48 bps | |
| Net Worth / Assets | 9.16% | 9.30% | 9.52% | 9.30% | 9.64% | +48 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 75.45% | 75.26% | 74.26% | 70.40% | 73.36% | -209 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |