Dothan, AL · Charter 68302
NCUA · 25 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.83% | 0.91% | 0.92% | 1.03% | 1.09% | +25 bps | |
| Return on Equity | 6.27% | 6.76% | 6.81% | 7.56% | 7.85% | +159 bps | |
| Net Interest Margin | 3.13% | 3.16% | 3.19% | 3.33% | 3.44% | +32 bps | |
| Efficiency Ratio | 73.73% | 72.83% | 72.42% | 75.21% | 73.57% | -16 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.87% | 3.19% | 3.92% | 2.40% | 3.66% | -120 bps | |
| Loan Growth (YoY) | 1.39% | 3.52% | 9.22% | 13.89% | 13.37% | +1,198 bps | |
| Share Growth (YoY) | 6.37% | 2.18% | 2.36% | 1.37% | 2.41% | -395 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.64% | 1.51% | 1.22% | 1.34% | 1.50% | -14 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.28% | 13.46% | 13.52% | 13.60% | 13.82% | +54 bps | |
| Net Worth / Assets | 13.28% | 13.46% | 13.52% | 13.60% | 13.82% | +54 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 71.55% | 74.75% | 78.45% | 78.47% | 79.20% | +765 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |