Tuscumbia, AL · Charter 60930
NCUA · 7 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 | 0.42% | 0.43% | 0.54% | 0.56% | 0.53% | 0.49% | 0.46% | 0.55% | -1 bps | |
| Return on Equity | 2.92% | 2.95% | 3.73% | 3.88% | 3.79% | 3.51% | 3.29% | 3.96% | +7 bps | |
| Net Interest Margin | 2.54% | 2.58% | 2.70% | 2.79% | 2.80% | 2.82% | 2.97% | 3.04% | +25 bps | |
| Efficiency Ratio | 83.42% | 82.11% | 81.34% | 82.28% | 82.39% | 83.65% | 82.84% | 82.62% | +34 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.86% | 1.18% | 2.27% | 2.78% | 5.54% | 6.92% | 6.23% | 6.82% | +404 bps | |
| Loan Growth (YoY) | 4.72% | 2.90% | 3.04% | 5.17% | 6.19% | 7.26% | 8.03% | 5.01% | -16 bps | |
| Share Growth (YoY) | 1.79% | 0.86% | 1.06% | 1.85% | 5.61% | 5.82% | 6.04% | 6.90% | +504 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.29% | 0.35% | 0.34% | 0.09% | 0.22% | 0.32% | 0.27% | 0.20% | +10 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 | 14.37% | 14.45% | 14.37% | 14.40% | 14.11% | 13.99% | 13.99% | 13.96% | -44 bps | |
| Net Worth / Assets | 14.37% | 14.45% | 14.37% | 14.40% | 14.11% | 13.99% | 13.99% | 13.96% | -44 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 39.19% | 38.80% | 38.45% | 39.82% | 39.41% | 39.33% | 39.17% | 39.12% | -70 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |