Opp, AL · Charter 62486
NCUA · 1 branch
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 | -0.37% | -0.40% | -1.84% | -1.00% | -0.64% | -0.51% | -1.19% | -0.58% | +41 bps | |
| Return on Equity | -1.49% | -1.59% | -7.43% | -4.04% | -2.56% | -1.98% | -4.70% | -2.31% | +173 bps | |
| Net Interest Margin | 4.22% | 4.21% | 3.94% | 3.99% | 4.07% | 4.11% | 3.84% | 3.69% | -30 bps | |
| Efficiency Ratio | 108.50% | 109.11% | 145.00% | 123.99% | 115.21% | 111.91% | 129.67% | 115.12% | -886 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.43% | -6.16% | -7.13% | -4.80% | -4.04% | -4.81% | -2.94% | -3.20% | +160 bps | |
| Loan Growth (YoY) | -4.61% | 4.05% | -3.46% | -3.71% | -11.16% | -11.02% | -4.25% | -2.38% | +132 bps | |
| Share Growth (YoY) | -7.92% | -7.57% | -8.85% | -5.70% | -4.48% | -5.70% | -3.31% | -3.86% | +184 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.34% | 7.81% | 4.33% | 4.21% | 4.38% | 0.16% | 3.81% | 1.46% | -275 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 | 24.71% | 24.92% | 24.78% | 24.64% | 25.15% | 25.67% | 25.21% | 25.17% | +53 bps | |
| Net Worth / Assets | 24.71% | 24.92% | 24.78% | 24.64% | 25.15% | 25.67% | 25.21% | 25.17% | +53 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 31.63% | 33.45% | 32.46% | 31.43% | 29.42% | 31.56% | 32.14% | 31.92% | +48 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |