Birmingham, AL · Charter 64645
NCUA · 1 branch
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 | 2.29% | 2.46% | 2.24% | 2.02% | 1.85% | -45 bps | |
| Return on Equity | 5.32% | 5.66% | 5.14% | 4.57% | 4.16% | -116 bps | |
| Net Interest Margin | 5.76% | 5.87% | 5.72% | 5.75% | 5.42% | -34 bps | |
| Efficiency Ratio | 61.62% | 59.35% | 61.99% | 65.44% | 67.17% | +556 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.53% | 6.69% | 7.78% | 5.44% | 1.62% | -591 bps | |
| Loan Growth (YoY) | 2.33% | 3.24% | 2.40% | -6.03% | 1.04% | -129 bps | |
| Share Growth (YoY) | 9.12% | 7.63% | 9.79% | 5.73% | -0.79% | -991 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.77% | 4.50% | 2.66% | 2.84% | 0.28% | -148 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.42% | 2.37% | 2.59% | 2.81% | 2.76% | +34 bps | |
| Capital | |||||||
| Risk-Based Capital | 43.13% | 43.52% | 43.65% | 44.24% | 44.48% | +134 bps | |
| Net Worth / Assets | 43.13% | 43.52% | 43.65% | 44.24% | 44.48% | +134 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 62.82% | 64.52% | 63.81% | 61.53% | 63.98% | +116 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |