Decatur, AL · Charter 61150
NCUA · 2 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 | 0.66% | 0.41% | 0.58% | 0.42% | 0.54% | 0.50% | 0.37% | 0.51% | +9 bps | |
| Return on Equity | 7.70% | 4.75% | 6.59% | 4.73% | 5.86% | 5.43% | 4.07% | 5.67% | +94 bps | |
| Net Interest Margin | 3.81% | 3.88% | 3.78% | 3.85% | 3.94% | 3.93% | 3.78% | 3.80% | -5 bps | |
| Efficiency Ratio | 87.48% | 92.11% | 87.88% | 91.43% | 88.90% | 89.79% | 92.69% | 89.96% | -147 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.52% | 1.83% | -1.98% | -3.67% | -3.49% | -1.01% | 1.60% | 5.50% | +917 bps | |
| Loan Growth (YoY) | 2.88% | -0.43% | -2.51% | -4.32% | -4.66% | 0.77% | -0.95% | -3.11% | +122 bps | |
| Share Growth (YoY) | 1.49% | 2.03% | -1.88% | -3.75% | -4.12% | -1.39% | 1.54% | 5.85% | +959 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.05% | 1.09% | 2.07% | 0.41% | 0.28% | 0.25% | 0.15% | 0.29% | -12 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 | 8.59% | 8.64% | 8.76% | 8.98% | 9.24% | 9.23% | 9.05% | 9.00% | +3 bps | |
| Net Worth / Assets | 8.59% | 8.64% | 8.76% | 8.98% | 9.24% | 9.23% | 9.05% | 9.00% | +3 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 57.18% | 55.45% | 54.85% | 56.74% | 56.85% | 56.67% | 53.50% | 51.94% | -480 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |