PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Champion Community

Courtland, AL · Charter 63614

NCUA · 4 branches

Q2 2026

$51.0MAssets
$21.4MLoans
$43.3MShares
$7.5MNet Worth

Executive Summary

  • Earnings: ROA of 0.47%, down 7 bps year over year; NIM at 3.31%.
  • Asset quality: problem loans at 1.91% of loans (+52 bps YoY).
  • Capital: net worth / assets of 14.75%, up 37 bps from a year ago.
  • Funding: loans stand at 49.45% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.47%-7 bps YoY

Net Interest Margin (YTD, annualized)

3.31%-5 bps YoY

Efficiency Ratio (YTD, annualized)

87.57%+224 bps YoY

Net Worth / Assets

14.75%+37 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.42%0.41%0.48%0.54%0.94%0.83%0.43%0.47%-7 bps
Return on Equity2.95%2.85%3.37%3.75%6.39%5.72%2.98%3.17%-58 bps
Net Interest Margin3.39%3.40%3.27%3.36%3.40%3.33%3.19%3.31%-5 bps
Efficiency Ratio88.57%88.96%87.71%85.33%75.14%77.79%87.63%87.57%+224 bps
Growth
Asset Growth (YoY)-5.43%-1.88%-4.21%-1.42%1.16%4.43%4.73%2.87%+429 bps
Loan Growth (YoY)-3.20%-7.04%-7.49%-10.28%-8.74%-7.11%-10.19%-8.98%+130 bps
Share Growth (YoY)-5.99%-2.55%-5.31%-2.34%0.30%4.01%4.43%2.40%+474 bps
Asset Quality
Delinquent Loans / Loans0.87%2.39%1.12%1.39%1.31%2.09%0.55%1.91%+52 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital14.16%14.36%14.39%14.39%14.76%14.55%14.52%14.75%+37 bps
Net Worth / Assets14.16%14.36%14.39%14.39%14.76%14.55%14.52%14.75%+37 bps
Liquidity & Funding
Loans / Shares60.07%59.29%57.56%55.63%54.65%52.95%49.50%49.45%-618 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps