Pennington, AL · Charter 62661
NCUA · 4 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 | 1.32% | 1.15% | 1.95% | 1.73% | 1.65% | 1.61% | 1.48% | 1.66% | -8 bps | |
| Return on Equity | 7.67% | 6.63% | 11.20% | 9.95% | 9.59% | 9.10% | 8.41% | 9.20% | -75 bps | |
| Net Interest Margin | 3.36% | 3.45% | 3.53% | 3.61% | 3.62% | 3.74% | 3.81% | 3.89% | +28 bps | |
| Efficiency Ratio | 62.95% | 67.34% | 47.11% | 53.39% | 55.28% | 57.45% | 60.34% | 57.75% | +437 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.30% | 8.74% | 5.56% | 6.63% | 8.59% | 8.41% | 8.11% | 5.94% | -69 bps | |
| Loan Growth (YoY) | 3.46% | 1.98% | 2.36% | 3.43% | 4.24% | 4.86% | 4.79% | 1.82% | -161 bps | |
| Share Growth (YoY) | 9.41% | 8.12% | 8.02% | 9.29% | 8.59% | 7.96% | 7.78% | 5.09% | -420 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.22% | 1.28% | 1.38% | 1.21% | 0.99% | 1.07% | 1.64% | 1.97% | +76 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 | 17.18% | 17.40% | 17.43% | 17.40% | 17.21% | 17.66% | 17.61% | 18.00% | +60 bps | |
| Net Worth / Assets | 17.18% | 17.40% | 17.43% | 17.40% | 17.21% | 17.66% | 17.61% | 18.00% | +60 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 91.47% | 92.55% | 90.30% | 90.45% | 87.81% | 89.90% | 87.79% | 87.64% | -281 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |