Sheffield, AL · Charter 63057
NCUA · 18 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.39% | 0.47% | 0.52% | 0.43% | 0.75% | +36 bps | |
| Return on Equity | 3.60% | 4.28% | 4.74% | 3.91% | 6.78% | +318 bps | |
| Net Interest Margin | 3.13% | 3.30% | 3.35% | 3.45% | 3.59% | +46 bps | |
| Efficiency Ratio | 86.61% | 86.18% | 85.39% | 84.62% | 81.77% | -484 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.32% | 0.44% | 1.05% | 1.59% | 3.13% | +281 bps | |
| Loan Growth (YoY) | -0.19% | 3.45% | 4.82% | 5.44% | 4.45% | +465 bps | |
| Share Growth (YoY) | -0.63% | -0.36% | 0.10% | 0.91% | 2.32% | +295 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.42% | 0.67% | 0.84% | 0.69% | 0.62% | +20 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.73% | 11.06% | 11.05% | 10.95% | 11.06% | +33 bps | |
| Net Worth / Assets | 10.73% | 11.06% | 11.05% | 10.95% | 11.06% | +33 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 81.57% | 85.38% | 83.65% | 82.12% | 83.27% | +170 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |