Birmingham, AL · Charter 64594
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 | 0.97% | 1.04% | 0.70% | 1.02% | 0.63% | 0.37% | 0.49% | 0.84% | -18 bps | |
| Return on Equity | 2.65% | 2.85% | 1.89% | 2.79% | 1.69% | 1.02% | 1.35% | 2.35% | -44 bps | |
| Net Interest Margin | 3.06% | 3.22% | 3.15% | 3.30% | 1.32% | 1.00% | 3.40% | 3.80% | +50 bps | |
| Efficiency Ratio | 62.68% | 62.58% | 72.75% | 64.31% | 46.77% | 52.79% | 59.73% | 50.39% | -1,392 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.86% | -2.14% | -0.81% | 2.36% | 2.21% | 3.02% | 4.50% | 5.03% | +267 bps | |
| Loan Growth (YoY) | -2.24% | -0.38% | -0.94% | -0.32% | 4.30% | 5.31% | 2.43% | 4.06% | +437 bps | |
| Share Growth (YoY) | -7.41% | -4.79% | -3.11% | 1.83% | 1.09% | 2.46% | 5.17% | 6.05% | +422 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.76% | 3.47% | 3.32% | 2.80% | 2.32% | 0.39% | 0.37% | 0.80% | -200 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 | 1.67% | 1.86% | 1.97% | 1.99% | 1.75% | 0.53% | 0.71% | 1.31% | -68 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 36.65% | 36.49% | 36.78% | 36.51% | 37.16% | 36.67% | 36.33% | 35.86% | -65 bps | |
| Net Worth / Assets | 36.65% | 36.49% | 36.78% | 36.51% | 37.16% | 36.67% | 36.33% | 35.86% | -65 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 79.93% | 76.23% | 77.60% | 78.96% | 82.47% | 78.35% | 75.58% | 77.48% | -148 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |