Birmingham, AL · Charter 62356
NCUA · 1 branch
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 | -0.76% | -1.14% | -1.79% | -1.95% | -1.84% | -2.03% | -2.43% | -2.04% | -9 bps | |
| Return on Equity | -3.54% | -5.34% | -8.89% | -9.93% | -9.25% | -10.23% | -12.69% | -11.20% | -127 bps | |
| Net Interest Margin | 5.34% | 5.36% | 4.87% | 4.90% | 5.08% | 5.16% | 4.72% | 4.69% | -21 bps | |
| Efficiency Ratio | 111.41% | 116.97% | 129.29% | 133.67% | 130.12% | 132.09% | 139.34% | 133.35% | -32 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.80% | -5.20% | -0.67% | -1.78% | -1.41% | -2.41% | -5.42% | -2.60% | -82 bps | |
| Loan Growth (YoY) | -8.48% | -10.83% | -8.93% | -8.74% | -11.80% | -9.73% | -12.91% | -9.84% | -110 bps | |
| Share Growth (YoY) | -5.31% | -5.41% | -0.33% | 0.70% | -1.25% | -0.57% | -3.46% | -0.62% | -132 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.26% | 1.42% | 0.53% | 0.51% | 0.58% | 3.97% | 2.61% | 5.29% | +477 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 | 0.45% | 0.48% | 0.49% | 0.50% | 0.54% | 0.55% | 0.59% | 0.58% | +8 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 21.52% | 21.34% | 20.16% | 19.64% | 19.89% | 19.84% | 19.16% | 18.19% | -146 bps | |
| Net Worth / Assets | 21.52% | 21.34% | 20.16% | 19.64% | 19.89% | 19.84% | 19.16% | 18.19% | -146 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 74.59% | 73.01% | 69.15% | 68.44% | 66.62% | 66.29% | 62.38% | 62.09% | -635 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |