Tuscaloosa, AL · Charter 63940
NCUA · 2 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 | -0.16% | -1.12% | -1.57% | 0.73% | -0.64% | -48 bps | |
| Return on Equity | -2.15% | -16.44% | -26.11% | 11.62% | -10.89% | -874 bps | |
| Net Interest Margin | 3.13% | 3.50% | 3.59% | 3.85% | 3.58% | +45 bps | |
| Efficiency Ratio | 99.25% | 96.07% | 92.92% | 86.82% | 91.17% | -808 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.16% | -7.89% | -6.55% | -7.45% | -4.63% | +53 bps | |
| Loan Growth (YoY) | 0.67% | -7.34% | -12.35% | -15.92% | -18.75% | -1,942 bps | |
| Share Growth (YoY) | -7.18% | -4.86% | -3.35% | -1.31% | 1.13% | +831 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.26% | 0.90% | 0.44% | 0.73% | 0.68% | -59 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 | 7.28% | 6.84% | 6.02% | 6.29% | 5.84% | -144 bps | |
| Net Worth / Assets | 7.28% | 6.84% | 6.02% | 6.29% | 5.84% | -144 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 70.02% | 67.26% | 62.94% | 59.73% | 56.26% | -1,376 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |