Hoover, AL · Charter 63834
NCUA · 4 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.07% | 0.04% | -0.07% | 0.77% | 0.41% | 0.29% | 0.73% | 0.85% | +7 bps | |
| Return on Equity | -0.77% | 0.41% | -0.76% | 8.78% | 4.26% | 2.95% | 7.26% | 8.20% | -58 bps | |
| Net Interest Margin | 3.30% | 3.29% | 3.28% | 3.61% | 3.89% | 3.92% | 4.06% | 4.10% | +49 bps | |
| Efficiency Ratio | 86.55% | 86.48% | 95.66% | 85.25% | 83.83% | 87.14% | 76.14% | 80.22% | -503 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.80% | 12.37% | 9.46% | 21.20% | 10.68% | 11.29% | 6.95% | -4.80% | -2,600 bps | |
| Loan Growth (YoY) | -5.00% | -3.90% | 1.71% | 22.54% | 21.37% | 17.16% | 7.81% | -11.79% | -3,433 bps | |
| Share Growth (YoY) | 12.57% | 13.12% | 9.84% | 21.98% | 10.03% | 9.18% | 4.86% | -7.18% | -2,916 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.72% | 0.26% | 0.60% | 2.16% | 0.73% | 0.74% | 1.38% | 1.38% | -78 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 | 9.66% | 9.70% | 9.37% | 8.81% | 9.69% | 9.75% | 10.01% | 10.33% | +152 bps | |
| Net Worth / Assets | 9.66% | 9.70% | 9.37% | 8.81% | 9.69% | 9.75% | 10.01% | 10.33% | +152 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 57.25% | 58.02% | 58.08% | 61.16% | 63.16% | 62.26% | 59.71% | 58.13% | -304 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |