Anniston, AL · Charter 61055
NCUA · 1 branch
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 | 1.05% | 0.06% | 2.46% | 1.33% | 2.00% | -0.01% | 2.96% | 0.47% | -86 bps | |
| Return on Equity | 4.34% | 0.22% | 9.25% | 4.89% | 6.81% | -0.04% | 10.21% | 1.67% | -322 bps | |
| Net Interest Margin | 2.26% | 1.90% | 4.24% | 3.09% | 3.63% | 2.45% | 4.09% | 1.80% | -128 bps | |
| Efficiency Ratio | 54.63% | 97.05% | 42.43% | 57.16% | 45.38% | 100.43% | 28.48% | 74.33% | +1,716 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -17.18% | -21.67% | -19.77% | -21.84% | -16.20% | -9.49% | -8.08% | -4.72% | +1,712 bps | |
| Loan Growth (YoY) | 26.46% | 18.72% | 9.17% | -7.84% | -12.80% | -12.90% | -11.38% | -8.58% | -74 bps | |
| Share Growth (YoY) | -27.47% | -26.94% | -25.27% | -26.14% | -15.88% | -12.82% | -11.13% | -5.91% | +2,023 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 1.04% | 1.04% | 1.09% | 1.13% | 1.20% | 2.40% | 2.45% | 2.47% | +134 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 24.09% | 25.63% | 26.55% | 27.28% | 29.32% | 28.31% | 28.95% | 28.15% | +88 bps | |
| Net Worth / Assets | 24.09% | 25.63% | 26.55% | 27.28% | 29.32% | 28.31% | 28.95% | 28.15% | +88 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 42.09% | 43.76% | 43.13% | 42.96% | 43.64% | 43.72% | 43.01% | 41.74% | -122 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |