Florence, AL · Charter 61944
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 | 1.17% | 1.23% | 1.27% | 1.69% | 1.57% | +40 bps | |
| Return on Equity | 9.75% | 10.17% | 10.33% | 13.54% | 12.25% | +249 bps | |
| Net Interest Margin | 3.07% | 3.11% | 3.17% | 3.21% | 3.31% | +24 bps | |
| Efficiency Ratio | 65.75% | 64.12% | 63.59% | 52.47% | 56.46% | -929 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.18% | 4.27% | 5.18% | 5.13% | 4.79% | +460 bps | |
| Loan Growth (YoY) | -1.02% | -0.13% | -1.91% | -0.89% | -4.76% | -375 bps | |
| Share Growth (YoY) | -0.82% | 3.12% | 3.45% | 3.60% | 3.83% | +465 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.02% | 0.02% | 0.00% | 0 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 | 11.97% | 12.11% | 12.30% | 12.45% | 12.80% | +84 bps | |
| Net Worth / Assets | 11.97% | 12.11% | 12.30% | 12.45% | 12.80% | +84 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 40.64% | 39.19% | 38.92% | 37.88% | 37.28% | -336 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |