Birmingham, AL · Charter 62664
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 | 0.52% | 0.53% | 0.79% | -0.41% | -0.03% | -0.12% | 0.13% | 0.13% | +54 bps | |
| Return on Equity | 2.35% | 2.41% | 3.62% | -1.93% | -0.15% | -0.53% | 0.60% | 0.59% | +251 bps | |
| Net Interest Margin | 4.59% | 4.62% | 4.69% | 4.71% | 4.81% | 4.94% | 4.99% | 4.97% | +26 bps | |
| Efficiency Ratio | 68.13% | 68.81% | 54.81% | 62.53% | 61.52% | 63.71% | 67.41% | 67.80% | +528 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.63% | 5.39% | 4.99% | 2.73% | 1.38% | -1.41% | -4.39% | -3.26% | -598 bps | |
| Loan Growth (YoY) | 2.55% | 0.01% | -2.33% | -2.77% | -1.13% | 5.94% | 9.44% | 14.13% | +1,690 bps | |
| Share Growth (YoY) | 6.07% | 5.37% | 5.77% | 2.76% | 0.46% | -0.95% | -5.41% | -4.54% | -730 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.88% | 1.84% | 2.20% | 3.40% | 2.73% | 2.14% | 2.28% | 1.72% | -168 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 | 21.95% | 22.00% | 21.72% | 21.45% | 21.77% | 22.20% | 22.42% | 22.33% | +88 bps | |
| Net Worth / Assets | 21.95% | 22.00% | 21.72% | 21.45% | 21.77% | 22.20% | 22.42% | 22.33% | +88 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 83.93% | 83.53% | 79.52% | 78.39% | 82.60% | 89.34% | 92.00% | 93.72% | +1,532 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |