Birmingham, AL · Charter 64528
NCUA · 1 branch
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 | 1.10% | 0.16% | 6.36% | 4.05% | 3.42% | 2.32% | -0.09% | 0.49% | -356 bps | |
| Return on Equity | 5.79% | 0.87% | 32.60% | 20.53% | 16.27% | 11.82% | -0.47% | 2.56% | -1,797 bps | |
| Net Interest Margin | 8.67% | 8.87% | 8.40% | 8.22% | 8.64% | 8.06% | 7.58% | 8.08% | -13 bps | |
| Efficiency Ratio | 77.21% | 84.90% | 49.53% | 58.17% | 63.48% | 70.47% | 100.93% | 91.74% | +3,357 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.73% | -6.54% | -4.45% | -0.99% | -0.86% | 9.07% | 6.00% | -0.55% | +44 bps | |
| Loan Growth (YoY) | -5.78% | -5.77% | -2.08% | -7.93% | -10.29% | -9.59% | -10.98% | -6.93% | +100 bps | |
| Share Growth (YoY) | -5.10% | -8.99% | -7.70% | -4.00% | -3.92% | 8.39% | 6.05% | 2.04% | +604 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.88% | 0.98% | 0.00% | 1.37% | 1.43% | 1.67% | 0.26% | 0.92% | -45 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 | 2.14% | 2.02% | 4.21% | 4.17% | 2.71% | 1.94% | 0.62% | 0.00% | -417 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 18.94% | 18.89% | 19.50% | 19.71% | 21.00% | 19.64% | 19.14% | 19.12% | -59 bps | |
| Net Worth / Assets | 18.94% | 18.89% | 19.50% | 19.71% | 21.00% | 19.64% | 19.14% | 19.12% | -59 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 98.55% | 104.59% | 94.73% | 93.54% | 92.02% | 87.24% | 79.52% | 85.31% | -823 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |