Birmingham, AL · Charter 62728
NCUA · 30 branches
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 | 0.30% | 0.25% | 0.28% | 0.36% | 0.40% | 0.43% | 0.46% | 0.46% | +10 bps | |
| Return on Equity | 2.16% | 1.74% | 2.03% | 2.52% | 2.75% | 2.99% | 3.23% | 3.17% | +65 bps | |
| Net Interest Margin | 0.96% | 0.96% | 0.91% | 1.06% | 1.12% | 1.17% | 1.22% | 1.26% | +21 bps | |
| Efficiency Ratio | 72.65% | 77.35% | 73.22% | 70.75% | 69.22% | 68.44% | 67.22% | 67.49% | -326 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.56% | -1.46% | 2.69% | 2.60% | 1.57% | 3.27% | 0.70% | 0.63% | -197 bps | |
| Loan Growth (YoY) | -1.30% | -2.06% | 2.37% | 3.07% | 4.47% | 4.67% | 0.74% | 2.17% | -89 bps | |
| Share Growth (YoY) | -3.06% | -2.53% | 0.14% | 0.33% | 0.29% | -0.07% | -1.12% | -1.01% | -134 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.23% | 0.23% | 0.25% | 0.25% | 0.24% | 0.28% | 0.21% | 0.23% | -2 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 | 14.00% | 14.26% | 13.96% | 14.21% | 14.37% | 14.52% | 14.32% | 14.59% | +38 bps | |
| Net Worth / Assets | 14.00% | 14.26% | 13.96% | 14.21% | 14.37% | 14.52% | 14.32% | 14.59% | +38 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 28.23% | 28.36% | 28.25% | 28.87% | 29.41% | 29.70% | 28.78% | 29.80% | +93 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |