Tuskegee, AL · Charter 6311
NCUA · 3 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 | -0.52% | -0.81% | -0.78% | 0.08% | 0.15% | +68 bps | |
| Return on Equity | -2.21% | -3.50% | -3.29% | 0.33% | 0.66% | +287 bps | |
| Net Interest Margin | 6.12% | 6.16% | 6.51% | 6.08% | 6.08% | -4 bps | |
| Efficiency Ratio | 85.13% | 89.13% | 86.09% | 91.49% | 94.18% | +905 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.31% | -0.54% | 1.63% | 1.54% | -0.75% | -106 bps | |
| Loan Growth (YoY) | 9.50% | 9.02% | 5.59% | 4.11% | 3.87% | -564 bps | |
| Share Growth (YoY) | 0.90% | -0.19% | 3.41% | 2.55% | -1.01% | -191 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.53% | 2.00% | 0.69% | 1.55% | 0.41% | -112 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.05% | 2.17% | 2.50% | 2.53% | 2.51% | +46 bps | |
| Capital | |||||||
| Risk-Based Capital | 23.62% | 23.10% | 23.62% | 23.45% | 23.37% | -25 bps | |
| Net Worth / Assets | 23.62% | 23.10% | 23.62% | 23.45% | 23.37% | -25 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 91.27% | 90.89% | 94.53% | 91.95% | 95.77% | +449 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |