Muscle Shoals, AL · Charter 61474
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 | 0.62% | 0.80% | 0.85% | 0.75% | 0.59% | 0.92% | 0.91% | 0.78% | +3 bps | |
| Return on Equity | 2.64% | 3.32% | 3.57% | 3.24% | 2.61% | 4.05% | 4.15% | 3.54% | +30 bps | |
| Net Interest Margin | 3.34% | 3.42% | 3.43% | 3.52% | 3.43% | 3.41% | 3.47% | 3.37% | -14 bps | |
| Efficiency Ratio | 83.08% | 78.74% | 77.45% | 80.56% | 84.24% | 75.30% | 75.73% | 78.69% | -188 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.61% | 2.68% | 3.50% | 8.85% | 7.94% | 11.61% | 13.89% | 9.42% | +57 bps | |
| Loan Growth (YoY) | 4.26% | 4.38% | 6.26% | 3.51% | 7.81% | 6.23% | 6.39% | -4.99% | -850 bps | |
| Share Growth (YoY) | -1.64% | 2.38% | 2.05% | 9.39% | 8.84% | 11.86% | 15.08% | 9.64% | +25 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.20% | 2.20% | 2.79% | 1.02% | 0.79% | 0.39% | 0.53% | 0.97% | -5 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 | 23.63% | 24.27% | 23.95% | 23.08% | 22.64% | 22.66% | 21.95% | 22.01% | -106 bps | |
| Net Worth / Assets | 23.63% | 24.27% | 23.95% | 23.08% | 22.64% | 22.66% | 21.95% | 22.01% | -106 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 39.36% | 39.42% | 38.43% | 38.81% | 38.99% | 37.43% | 35.53% | 33.63% | -518 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |