Courtland, AL · Charter 63614
NCUA · 4 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.54% | 0.94% | 0.83% | 0.43% | 0.47% | -7 bps | |
| Return on Equity | 3.75% | 6.39% | 5.72% | 2.98% | 3.17% | -58 bps | |
| Net Interest Margin | 3.36% | 3.40% | 3.33% | 3.19% | 3.31% | -5 bps | |
| Efficiency Ratio | 85.33% | 75.14% | 77.79% | 87.63% | 87.57% | +224 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.42% | 1.16% | 4.43% | 4.73% | 2.87% | +429 bps | |
| Loan Growth (YoY) | -10.28% | -8.74% | -7.11% | -10.19% | -8.98% | +130 bps | |
| Share Growth (YoY) | -2.34% | 0.30% | 4.01% | 4.43% | 2.40% | +474 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.39% | 1.31% | 2.09% | 0.55% | 1.91% | +52 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 | 14.39% | 14.76% | 14.55% | 14.52% | 14.75% | +37 bps | |
| Net Worth / Assets | 14.39% | 14.76% | 14.55% | 14.52% | 14.75% | +37 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 55.63% | 54.65% | 52.95% | 49.50% | 49.45% | -618 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |