Montgomery, AL · Charter 64598
NCUA · 10 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 | 0.66% | 0.43% | 0.95% | 1.02% | 1.09% | 1.05% | 0.72% | 0.93% | -9 bps | |
| Return on Equity | 5.31% | 3.57% | 7.99% | 8.37% | 8.80% | 8.61% | 6.06% | 7.75% | -63 bps | |
| Net Interest Margin | 4.11% | 4.08% | 4.08% | 4.14% | 4.12% | 3.98% | 3.69% | 3.73% | -41 bps | |
| Efficiency Ratio | 80.51% | 83.35% | 73.19% | 72.43% | 72.68% | 73.19% | 78.93% | 78.19% | +577 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.91% | 2.73% | 6.15% | 5.53% | 6.09% | 8.06% | 9.48% | 11.95% | +643 bps | |
| Loan Growth (YoY) | 5.03% | 2.21% | -2.69% | -7.88% | -9.45% | -8.86% | -8.62% | -7.21% | +67 bps | |
| Share Growth (YoY) | -1.00% | 1.74% | 5.18% | 5.38% | 5.55% | 7.46% | 9.38% | 11.85% | +647 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.41% | 0.49% | 0.31% | 0.24% | 0.29% | 0.44% | 0.29% | 0.31% | +7 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 | 12.35% | 12.04% | 11.94% | 12.21% | 12.37% | 12.15% | 11.83% | 12.01% | -21 bps | |
| Net Worth / Assets | 12.35% | 12.04% | 11.94% | 12.21% | 12.37% | 12.15% | 11.83% | 12.01% | -21 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 78.40% | 75.32% | 70.93% | 68.98% | 67.26% | 63.89% | 59.26% | 57.22% | -1,176 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |