Birmingham, AL · Charter 65464
NCUA · 7 branches
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 | 0.33% | 0.32% | 0.24% | 0.27% | 0.37% | 0.40% | 0.37% | 0.66% | +39 bps | |
| Return on Equity | 2.72% | 2.71% | 2.03% | 2.32% | 3.13% | 3.38% | 3.17% | 5.63% | +331 bps | |
| Net Interest Margin | 2.66% | 2.79% | 2.86% | 2.89% | 2.94% | 3.00% | 3.04% | 3.12% | +24 bps | |
| Efficiency Ratio | 87.65% | 87.34% | 89.32% | 88.42% | 87.09% | 87.32% | 86.06% | 81.00% | -743 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.66% | -9.78% | -2.45% | 0.37% | 1.02% | 3.58% | 4.84% | 4.85% | +448 bps | |
| Loan Growth (YoY) | -3.74% | -3.22% | -2.83% | -1.79% | 4.31% | 8.06% | 8.54% | 8.31% | +1,010 bps | |
| Share Growth (YoY) | 1.26% | -1.29% | -2.34% | -0.93% | -0.31% | 1.90% | 2.49% | 2.33% | +326 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.50% | 0.71% | 0.58% | 0.65% | 0.55% | 0.82% | 0.82% | 0.86% | +22 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 | 11.97% | 11.90% | 11.71% | 11.74% | 11.75% | 11.89% | 11.59% | 11.78% | +5 bps | |
| Net Worth / Assets | 11.97% | 11.90% | 11.71% | 11.74% | 11.75% | 11.89% | 11.59% | 11.78% | +5 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 52.58% | 53.42% | 52.01% | 52.47% | 55.02% | 56.65% | 55.08% | 55.53% | +306 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |