Sheffield, AL · Charter 63057
NCUA · 18 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 | 0.45% | 0.35% | 0.09% | 0.39% | 0.47% | 0.52% | 0.43% | 0.75% | +36 bps | |
| Return on Equity | 4.18% | 3.23% | 0.85% | 3.60% | 4.28% | 4.74% | 3.91% | 6.78% | +318 bps | |
| Net Interest Margin | 2.68% | 2.68% | 2.78% | 3.13% | 3.30% | 3.35% | 3.45% | 3.59% | +46 bps | |
| Efficiency Ratio | 84.01% | 85.68% | 91.66% | 86.61% | 86.18% | 85.39% | 84.62% | 81.77% | -484 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.64% | 0.92% | -0.64% | 0.32% | 0.44% | 1.05% | 1.59% | 3.13% | +281 bps | |
| Loan Growth (YoY) | -6.03% | -6.56% | -3.36% | -0.19% | 3.45% | 4.82% | 5.44% | 4.45% | +465 bps | |
| Share Growth (YoY) | 0.83% | 0.05% | -1.53% | -0.63% | -0.36% | 0.10% | 0.91% | 2.32% | +295 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.59% | 0.61% | 0.46% | 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 | 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 | 10.79% | 10.68% | 10.56% | 10.73% | 11.06% | 11.05% | 10.95% | 11.06% | +33 bps | |
| Net Worth / Assets | 10.79% | 10.68% | 10.56% | 10.73% | 11.06% | 11.05% | 10.95% | 11.06% | +33 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 82.23% | 79.88% | 78.58% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |