Tuscaloosa, AL · Charter 63940
NCUA · 2 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.94% | -1.48% | -0.40% | -0.16% | -1.12% | -1.57% | 0.73% | -0.64% | -48 bps | |
| Return on Equity | -11.99% | -20.66% | -5.70% | -2.15% | -16.44% | -26.11% | 11.62% | -10.89% | -874 bps | |
| Net Interest Margin | 2.41% | 2.33% | 2.91% | 3.13% | 3.50% | 3.59% | 3.85% | 3.58% | +45 bps | |
| Efficiency Ratio | 105.49% | 112.13% | 100.70% | 99.25% | 96.07% | 92.92% | 86.82% | 91.17% | -808 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.85% | 2.01% | -1.02% | -5.16% | -7.89% | -6.55% | -7.45% | -4.63% | +53 bps | |
| Loan Growth (YoY) | 18.19% | 15.92% | 6.85% | 0.67% | -7.34% | -12.35% | -15.92% | -18.75% | -1,942 bps | |
| Share Growth (YoY) | -7.54% | -3.88% | -7.62% | -7.18% | -4.86% | -3.35% | -1.31% | 1.13% | +831 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.67% | 0.46% | 1.67% | 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 | 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 | 7.83% | 7.15% | 7.09% | 7.28% | 6.84% | 6.02% | 6.29% | 5.84% | -144 bps | |
| Net Worth / Assets | 7.83% | 7.15% | 7.09% | 7.28% | 6.84% | 6.02% | 6.29% | 5.84% | -144 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 69.06% | 69.40% | 70.12% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |