Anniston, AL · Charter 61800
NCUA · 6 branches
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 | -0.28% | -0.31% | -0.39% | -0.27% | -0.25% | -0.30% | 0.30% | 0.18% | +45 bps | |
| Return on Equity | -2.21% | -2.30% | -3.07% | -2.10% | -1.94% | -2.33% | 2.38% | 1.41% | +351 bps | |
| Net Interest Margin | 2.21% | 2.39% | 2.57% | 2.69% | 2.81% | 2.87% | 3.13% | 3.18% | +49 bps | |
| Efficiency Ratio | 104.65% | 104.45% | 99.52% | 98.96% | 98.55% | 99.76% | 81.22% | 86.30% | -1,266 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.65% | -6.22% | -4.24% | -3.06% | -4.31% | 1.32% | 0.12% | 0.02% | +308 bps | |
| Loan Growth (YoY) | -4.50% | -6.07% | -5.14% | -5.53% | -4.19% | -1.24% | 0.49% | 2.51% | +804 bps | |
| Share Growth (YoY) | 1.71% | 4.95% | 3.65% | 2.44% | -0.58% | 0.12% | -1.29% | -0.86% | -330 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.51% | 0.72% | 1.04% | 0.76% | 0.78% | 0.98% | 1.09% | 1.17% | +41 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 | 12.66% | 13.26% | 12.84% | 12.83% | 12.93% | 12.76% | 12.68% | 12.73% | -10 bps | |
| Net Worth / Assets | 12.66% | 13.26% | 12.84% | 12.83% | 12.93% | 12.76% | 12.68% | 12.73% | -10 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 49.73% | 48.25% | 46.53% | 47.15% | 47.93% | 47.59% | 47.37% | 48.75% | +160 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |