Birmingham, AL · Charter 60712
NCUA · 9 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 | 0.93% | 0.86% | 0.78% | 0.79% | 0.82% | 0.76% | 0.70% | 0.94% | +15 bps | |
| Return on Equity | 10.34% | 9.38% | 8.55% | 8.66% | 8.83% | 7.96% | 7.51% | 9.76% | +110 bps | |
| Net Interest Margin | 3.79% | 3.81% | 3.81% | 3.80% | 3.82% | 3.86% | 3.61% | 3.78% | -2 bps | |
| Efficiency Ratio | 81.99% | 82.84% | 83.07% | 83.74% | 83.51% | 85.06% | 85.89% | 81.17% | -257 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.56% | 2.37% | 1.54% | 3.59% | 4.86% | 3.42% | 5.71% | 3.16% | -43 bps | |
| Loan Growth (YoY) | -8.35% | -6.71% | -6.13% | -5.56% | -2.69% | -5.90% | -4.55% | -0.82% | +474 bps | |
| Share Growth (YoY) | -2.68% | 7.08% | 6.05% | 8.83% | 10.38% | 2.53% | 5.06% | 2.01% | -683 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.72% | 0.39% | 0.21% | 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 | 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 | 9.01% | 9.13% | 9.14% | 9.16% | 9.30% | 9.52% | 9.30% | 9.64% | +48 bps | |
| Net Worth / Assets | 9.01% | 9.13% | 9.14% | 9.16% | 9.30% | 9.52% | 9.30% | 9.64% | +48 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.36% | 80.91% | 77.50% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |