PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

City

Tuscaloosa, AL · Charter 62062

NCUA · 2 branches

Q2 2026

$21.3MAssets
$10.9MLoans
$15.9MShares
$5.1MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.25%, down 5 bps year over year; NIM at 3.68%.
  • Asset quality: problem loans at 0.79% of loans (+39 bps YoY).
  • Capital: net worth / assets of 23.98%, down 34 bps from a year ago.
  • Funding: loans stand at 68.79% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.25%-5 bps YoY

Net Interest Margin (YTD, annualized)

3.68%+5 bps YoY

Efficiency Ratio (YTD, annualized)

73.98%+122 bps YoY

Net Worth / Assets

23.98%-34 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.30%1.26%1.37%1.18%1.25%-5 bps
Return on Equity5.34%5.02%5.35%4.82%5.21%-13 bps
Net Interest Margin3.63%3.82%3.93%3.76%3.68%+5 bps
Efficiency Ratio72.75%71.23%70.72%76.09%73.98%+122 bps
Growth
Asset Growth (YoY)-4.68%-2.41%1.41%4.08%7.09%+1,177 bps
Loan Growth (YoY)-4.91%-4.32%-4.82%-8.97%-12.92%-801 bps
Share Growth (YoY)0.66%1.75%-0.23%3.56%8.06%+739 bps
Asset Quality
Delinquent Loans / Loans0.40%0.37%0.41%0.61%0.79%+39 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital24.32%25.01%25.60%24.54%23.98%-34 bps
Net Worth / Assets24.32%25.01%25.60%24.54%23.98%-34 bps
Liquidity & Funding
Loans / Shares85.36%86.18%84.96%75.27%68.79%-1,657 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps