Birmingham, AL · Charter 61391
NCUA · 2 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.05% | 1.18% | 0.93% | 1.50% | 1.59% | +54 bps | |
| Return on Equity | 4.70% | 5.27% | 4.17% | 6.63% | 7.01% | +231 bps | |
| Net Interest Margin | 4.19% | 4.23% | 4.19% | 4.19% | 4.13% | -6 bps | |
| Efficiency Ratio | 66.94% | 65.25% | 68.89% | 66.81% | 66.56% | -38 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.38% | 8.69% | 5.05% | 2.02% | 4.13% | -425 bps | |
| Loan Growth (YoY) | -3.75% | -6.13% | -3.10% | -3.04% | 5.98% | +972 bps | |
| Share Growth (YoY) | 8.45% | 9.14% | 4.84% | 0.73% | 3.44% | -501 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.28% | 2.72% | 2.88% | 1.60% | 1.47% | -81 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 22.31% | 22.36% | 22.17% | 22.64% | 22.63% | +32 bps | |
| Net Worth / Assets | 22.31% | 22.36% | 22.17% | 22.64% | 22.63% | +32 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 47.44% | 48.28% | 48.30% | 46.96% | 48.60% | +116 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |