Tuscaloosa, AL · Charter 60942
NCUA · 4 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 | 0.12% | 0.18% | 0.13% | 0.19% | 0.21% | 0.17% | 0.14% | 0.35% | +16 bps | |
| Return on Equity | 0.92% | 1.46% | 1.11% | 1.54% | 1.73% | 1.43% | 1.23% | 2.89% | +136 bps | |
| Net Interest Margin | 2.51% | 2.48% | 2.31% | 2.37% | 2.47% | 2.44% | 2.44% | 2.58% | +20 bps | |
| Efficiency Ratio | 88.33% | 88.74% | 92.85% | 89.75% | 88.01% | 88.41% | 92.69% | 89.29% | -46 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.20% | 10.87% | 14.27% | 13.48% | 7.94% | 7.97% | 3.71% | 1.93% | -1,156 bps | |
| Loan Growth (YoY) | -0.86% | -2.53% | -2.89% | -4.40% | -4.57% | -3.31% | -2.00% | -1.74% | +267 bps | |
| Share Growth (YoY) | 10.74% | 11.48% | 14.09% | 13.73% | 8.31% | 7.02% | 2.71% | 1.37% | -1,236 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.02% | 1.27% | 1.15% | 1.67% | 1.29% | 1.52% | 1.08% | 1.93% | +26 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 | 12.90% | 12.64% | 12.02% | 12.05% | 12.02% | 11.76% | 11.65% | 11.96% | -9 bps | |
| Net Worth / Assets | 12.90% | 12.64% | 12.02% | 12.05% | 12.02% | 11.76% | 11.65% | 11.96% | -9 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 58.60% | 55.60% | 52.18% | 51.93% | 51.63% | 50.23% | 49.79% | 50.34% | -159 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |