Florence, AL · Charter 61944
NCUA · 2 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 | 0.77% | 0.80% | 0.99% | 1.17% | 1.23% | 1.27% | 1.69% | 1.57% | +40 bps | |
| Return on Equity | 6.69% | 6.82% | 8.45% | 9.75% | 10.17% | 10.33% | 13.54% | 12.25% | +249 bps | |
| Net Interest Margin | 2.61% | 2.69% | 2.94% | 3.07% | 3.11% | 3.17% | 3.21% | 3.31% | +24 bps | |
| Efficiency Ratio | 73.39% | 73.22% | 69.76% | 65.75% | 64.12% | 63.59% | 52.47% | 56.46% | -929 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.37% | -1.89% | -0.41% | 0.18% | 4.27% | 5.18% | 5.13% | 4.79% | +460 bps | |
| Loan Growth (YoY) | 0.15% | -5.18% | -7.19% | -1.02% | -0.13% | -1.91% | -0.89% | -4.76% | -375 bps | |
| Share Growth (YoY) | -0.07% | -2.72% | -1.26% | -0.82% | 3.12% | 3.45% | 3.60% | 3.83% | +465 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 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 | 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 | 11.54% | 11.69% | 11.67% | 11.97% | 12.11% | 12.30% | 12.45% | 12.80% | +84 bps | |
| Net Worth / Assets | 11.54% | 11.69% | 11.67% | 11.97% | 12.11% | 12.30% | 12.45% | 12.80% | +84 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 40.47% | 41.04% | 39.59% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |