Tuscaloosa, AL · Charter 60823
NCUA · 37 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 | -0.02% | 0.21% | 0.54% | 0.85% | 0.71% | 0.63% | 0.68% | 0.37% | -47 bps | |
| Return on Equity | -0.25% | 2.17% | 5.58% | 8.76% | 7.33% | 6.43% | 6.85% | 3.76% | -500 bps | |
| Net Interest Margin | 2.48% | 2.43% | 2.43% | 2.47% | 2.52% | 2.57% | 2.58% | 2.62% | +15 bps | |
| Efficiency Ratio | 79.92% | 77.52% | 74.37% | 71.31% | 73.74% | 74.49% | 79.29% | 78.63% | +732 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.06% | 1.44% | 0.22% | 5.05% | 7.07% | 5.40% | 4.32% | 2.43% | -263 bps | |
| Loan Growth (YoY) | 0.94% | 3.63% | 5.02% | 10.96% | 6.50% | 3.35% | -0.07% | -6.46% | -1,742 bps | |
| Share Growth (YoY) | 12.14% | 13.07% | 7.35% | 6.75% | 7.41% | 3.08% | 4.39% | 4.36% | -239 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.25% | 1.25% | 1.04% | 0.83% | 0.77% | 0.91% | 0.79% | 0.80% | -3 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 | 9.50% | 9.60% | 9.61% | 9.66% | 9.71% | 9.83% | 9.97% | 9.92% | +25 bps | |
| Net Worth / Assets | 9.50% | 9.60% | 9.61% | 9.66% | 9.71% | 9.83% | 9.97% | 9.92% | +25 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 91.43% | 89.91% | 89.86% | 95.20% | 90.65% | 90.15% | 86.02% | 85.33% | -987 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |