Perdue Hill, AL · Charter 65402
NCUA · 1 branch
Q2 2025
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.20% | 0.14% | 0.20% | 0.21% | 0.26% | 0.10% | 0.28% | 0.20% | -2 bps | |
| Return on Equity | 1.94% | 1.41% | 2.15% | 2.18% | 2.71% | 1.03% | 2.92% | 1.97% | -21 bps | |
| Net Interest Margin | 2.63% | 2.69% | 2.34% | 2.53% | 2.52% | 2.59% | 2.53% | 2.66% | +12 bps | |
| Efficiency Ratio | 94.97% | 96.41% | 94.15% | 94.26% | 92.81% | 95.88% | 92.16% | 94.74% | +49 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.32% | -4.40% | 4.18% | 2.75% | 5.77% | 4.74% | -0.92% | -0.44% | -319 bps | |
| Loan Growth (YoY) | 7.94% | 4.69% | -1.38% | -10.27% | -8.17% | -13.74% | -11.53% | -11.90% | -162 bps | |
| Share Growth (YoY) | -8.69% | -5.73% | 3.93% | 3.20% | 6.47% | 5.65% | -0.69% | -0.08% | -328 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.34% | 2.08% | 0.19% | 0.54% | 1.89% | 2.28% | 1.59% | 1.37% | +83 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 | 0.54% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.13% | 10.16% | 9.45% | 9.83% | 9.77% | 9.80% | 9.65% | 9.96% | +14 bps | |
| Net Worth / Assets | 10.13% | 10.16% | 9.45% | 9.83% | 9.77% | 9.80% | 9.65% | 9.96% | +14 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 33.25% | 33.55% | 29.74% | 29.44% | 28.68% | 27.40% | 26.50% | 25.96% | -348 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |