Gadsden, AL · Charter 67252
NCUA · 6 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 | 0.58% | 0.61% | 0.58% | 0.77% | 0.99% | 1.01% | 1.13% | 1.15% | +38 bps | |
| Return on Equity | 5.44% | 5.63% | 5.33% | 7.00% | 8.90% | 8.95% | 10.10% | 10.18% | +318 bps | |
| Net Interest Margin | 2.86% | 2.90% | 2.98% | 3.12% | 3.15% | 3.23% | 3.33% | 3.43% | +31 bps | |
| Efficiency Ratio | 81.45% | 78.84% | 77.16% | 75.11% | 71.63% | 70.38% | 73.08% | 72.91% | -220 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.33% | 6.69% | 4.36% | 4.68% | 5.31% | 5.32% | 7.90% | 8.95% | +426 bps | |
| Loan Growth (YoY) | 3.02% | 5.35% | 5.31% | 9.89% | 9.04% | 7.64% | 8.60% | 6.77% | -312 bps | |
| Share Growth (YoY) | 6.55% | 10.14% | 9.57% | 8.51% | 9.26% | 6.46% | 6.72% | 8.32% | -19 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.71% | 0.94% | 0.80% | 0.82% | 0.61% | 0.64% | 0.42% | 0.63% | -18 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 | 10.71% | 10.80% | 10.82% | 11.02% | 11.08% | 11.27% | 11.15% | 11.29% | +28 bps | |
| Net Worth / Assets | 10.71% | 10.80% | 10.82% | 11.02% | 11.08% | 11.27% | 11.15% | 11.29% | +28 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.18% | 85.59% | 83.62% | 87.23% | 85.01% | 86.54% | 85.10% | 85.98% | -125 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |