Birmingham, AL · Charter 61391
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 | 1.30% | 0.96% | 1.00% | 1.05% | 1.18% | 0.93% | 1.50% | 1.59% | +54 bps | |
| Return on Equity | 5.60% | 4.32% | 4.56% | 4.70% | 5.27% | 4.17% | 6.63% | 7.01% | +231 bps | |
| Net Interest Margin | 4.41% | 4.22% | 4.12% | 4.19% | 4.23% | 4.19% | 4.19% | 4.13% | -6 bps | |
| Efficiency Ratio | 63.72% | 71.46% | 66.44% | 66.94% | 65.25% | 68.89% | 66.81% | 66.56% | -38 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.99% | 1.85% | 6.64% | 8.38% | 8.69% | 5.05% | 2.02% | 4.13% | -425 bps | |
| Loan Growth (YoY) | 2.07% | 1.29% | -1.42% | -3.75% | -6.13% | -3.10% | -3.04% | 5.98% | +972 bps | |
| Share Growth (YoY) | -9.43% | 0.39% | 6.38% | 8.45% | 9.14% | 4.84% | 0.73% | 3.44% | -501 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.24% | 1.79% | 2.80% | 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 | 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 | 23.32% | 22.32% | 22.02% | 22.31% | 22.36% | 22.17% | 22.64% | 22.63% | +32 bps | |
| Net Worth / Assets | 23.32% | 22.32% | 22.02% | 22.31% | 22.36% | 22.17% | 22.64% | 22.63% | +32 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 56.14% | 52.26% | 48.79% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |