Hoover, AL · Charter 60934
NCUA · 6 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.01% | 0.88% | 0.69% | 0.89% | 0.95% | 0.86% | 1.18% | 1.25% | +36 bps | |
| Return on Equity | 7.53% | 6.33% | 4.98% | 6.42% | 6.71% | 6.14% | 8.47% | 8.97% | +255 bps | |
| Net Interest Margin | 3.23% | 3.06% | 3.44% | 3.42% | 3.43% | 3.22% | 3.54% | 3.55% | +13 bps | |
| Efficiency Ratio | 70.81% | 73.13% | 76.99% | 72.47% | 71.54% | 72.40% | 68.43% | 67.05% | -542 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.81% | 1.36% | 1.50% | 3.50% | 2.23% | 5.53% | 6.38% | 6.92% | +342 bps | |
| Loan Growth (YoY) | -5.48% | 0.00% | 0.96% | 6.96% | 10.10% | 7.07% | 11.05% | 8.26% | +130 bps | |
| Share Growth (YoY) | 0.82% | 5.92% | 5.03% | 7.89% | 7.01% | 3.60% | 5.35% | 5.98% | -191 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.65% | 0.59% | 0.59% | 0.59% | 1.82% | 1.65% | 1.93% | 1.72% | +113 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 | 13.36% | 13.97% | 13.85% | 13.92% | 14.10% | 14.02% | 13.91% | 13.97% | +5 bps | |
| Net Worth / Assets | 13.36% | 13.97% | 13.85% | 13.92% | 14.10% | 14.02% | 13.91% | 13.97% | +5 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 62.39% | 61.27% | 59.53% | 62.00% | 64.19% | 63.33% | 62.75% | 63.34% | +133 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |