PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Alabama River Employees

Perdue Hill, AL · Charter 65402

NCUA · 1 branch

Q2 2025

$22.7MAssets
$5.3MLoans
$20.4MShares
$2.3MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.20%, down 2 bps year over year; NIM at 2.66%.
  • Asset quality: problem loans at 1.37% of loans (+83 bps YoY).
  • Capital: net worth / assets of 9.96%, up 14 bps from a year ago.
  • Funding: loans stand at 25.96% of shares as of Q2 2025.

Financial Results

Return on Assets (YTD, annualized)

0.20%-2 bps YoY

Net Interest Margin (YTD, annualized)

2.66%+12 bps YoY

Efficiency Ratio (YTD, annualized)

94.74%+49 bps YoY

Net Worth / Assets

9.96%+14 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2024Q3 2024Q4 2024Q1 2025Q2 2025YoY ΔTrend
Earnings
Return on Assets0.21%0.26%0.10%0.28%0.20%-2 bps
Return on Equity2.18%2.71%1.03%2.92%1.97%-21 bps
Net Interest Margin2.53%2.52%2.59%2.53%2.66%+12 bps
Efficiency Ratio94.26%92.81%95.88%92.16%94.74%+49 bps
Growth
Asset Growth (YoY)2.75%5.77%4.74%-0.92%-0.44%-319 bps
Loan Growth (YoY)-10.27%-8.17%-13.74%-11.53%-11.90%-162 bps
Share Growth (YoY)3.20%6.47%5.65%-0.69%-0.08%-328 bps
Asset Quality
Delinquent Loans / Loans0.54%1.89%2.28%1.59%1.37%+83 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.83%9.77%9.80%9.65%9.96%+14 bps
Net Worth / Assets9.83%9.77%9.80%9.65%9.96%+14 bps
Liquidity & Funding
Loans / Shares29.44%28.68%27.40%26.50%25.96%-348 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps