Tuscaloosa, AL · Charter 62062
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 | 0.49% | 0.62% | 0.89% | 1.30% | 1.26% | 1.37% | 1.18% | 1.25% | -5 bps | |
| Return on Equity | 2.10% | 2.54% | 3.68% | 5.34% | 5.02% | 5.35% | 4.82% | 5.21% | -13 bps | |
| Net Interest Margin | 3.03% | 3.21% | 3.51% | 3.63% | 3.82% | 3.93% | 3.76% | 3.68% | +5 bps | |
| Efficiency Ratio | 82.80% | 81.84% | 81.23% | 72.75% | 71.23% | 70.72% | 76.09% | 73.98% | +122 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -11.03% | -11.34% | -8.39% | -4.68% | -2.41% | 1.41% | 4.08% | 7.09% | +1,177 bps | |
| Loan Growth (YoY) | 20.06% | 7.04% | -3.93% | -4.91% | -4.32% | -4.82% | -8.97% | -12.92% | -801 bps | |
| Share Growth (YoY) | -12.31% | -7.81% | -3.84% | 0.66% | 1.75% | -0.23% | 3.56% | 8.06% | +739 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.01% | 0.34% | 0.23% | 0.40% | 0.37% | 0.41% | 0.61% | 0.79% | +39 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 | 23.26% | 24.57% | 24.10% | 24.32% | 25.01% | 25.60% | 24.54% | 23.98% | -34 bps | |
| Net Worth / Assets | 23.26% | 24.57% | 24.10% | 24.32% | 25.01% | 25.60% | 24.54% | 23.98% | -34 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 91.65% | 89.05% | 85.63% | 85.36% | 86.18% | 84.96% | 75.27% | 68.79% | -1,657 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |