Birmingham, AL · Charter 62599
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 | 0.12% | 0.11% | 0.11% | 0.18% | 0.23% | 0.12% | 0.11% | 0.15% | -3 bps | |
| Return on Equity | 0.72% | 0.62% | 0.63% | 1.12% | 1.41% | 0.72% | 0.65% | 0.89% | -23 bps | |
| Net Interest Margin | 3.47% | 3.62% | 3.86% | 3.67% | 3.99% | 4.15% | 4.34% | 4.35% | +68 bps | |
| Efficiency Ratio | 94.54% | 94.51% | 91.51% | 89.19% | 86.12% | 87.41% | 90.39% | 87.08% | -211 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.06% | 5.78% | 5.90% | 12.61% | 5.51% | 2.84% | 0.69% | -4.95% | -1,756 bps | |
| Loan Growth (YoY) | -1.66% | -0.67% | 0.76% | -2.57% | -2.10% | 1.01% | 1.26% | 5.13% | +770 bps | |
| Share Growth (YoY) | 10.74% | 6.84% | 6.91% | 15.22% | 6.53% | 3.23% | 0.79% | -5.89% | -2,111 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.31% | 2.06% | 1.40% | 2.46% | 2.01% | 2.60% | 1.43% | 1.67% | -79 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 | 17.21% | 17.16% | 16.76% | 15.70% | 16.50% | 16.81% | 16.76% | 16.62% | +92 bps | |
| Net Worth / Assets | 17.21% | 17.16% | 16.76% | 15.70% | 16.50% | 16.81% | 16.76% | 16.62% | +92 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 61.87% | 61.39% | 58.88% | 52.99% | 56.86% | 60.06% | 59.16% | 59.19% | +620 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |