Birmingham, AL · Charter 64645
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 | 2.66% | 2.47% | 2.54% | 2.29% | 2.46% | 2.24% | 2.02% | 1.85% | -45 bps | |
| Return on Equity | 6.06% | 5.53% | 5.73% | 5.32% | 5.66% | 5.14% | 4.57% | 4.16% | -116 bps | |
| Net Interest Margin | 6.23% | 6.15% | 6.22% | 5.76% | 5.87% | 5.72% | 5.75% | 5.42% | -34 bps | |
| Efficiency Ratio | 58.74% | 61.19% | 60.05% | 61.62% | 59.35% | 61.99% | 65.44% | 67.17% | +556 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.97% | 0.97% | 1.20% | 7.53% | 6.69% | 7.78% | 5.44% | 1.62% | -591 bps | |
| Loan Growth (YoY) | -4.86% | -2.63% | 6.66% | 2.33% | 3.24% | 2.40% | -6.03% | 1.04% | -129 bps | |
| Share Growth (YoY) | -1.09% | -2.74% | -2.10% | 9.12% | 7.63% | 9.79% | 5.73% | -0.79% | -991 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.38% | 3.07% | 2.61% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 2.60% | 2.56% | 2.18% | 2.42% | 2.37% | 2.59% | 2.81% | 2.76% | +34 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 43.99% | 44.63% | 44.39% | 43.13% | 43.52% | 43.65% | 44.24% | 44.48% | +134 bps | |
| Net Worth / Assets | 43.99% | 44.63% | 44.39% | 43.13% | 43.52% | 43.65% | 44.24% | 44.48% | +134 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 67.26% | 68.41% | 69.23% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |