Dothan, AL · Charter 68302
NCUA · 25 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 | 0.25% | 0.47% | 0.88% | 0.83% | 0.91% | 0.92% | 1.03% | 1.09% | +25 bps | |
| Return on Equity | 1.90% | 3.55% | 6.74% | 6.27% | 6.76% | 6.81% | 7.56% | 7.85% | +159 bps | |
| Net Interest Margin | 2.68% | 2.84% | 3.09% | 3.13% | 3.16% | 3.19% | 3.33% | 3.44% | +32 bps | |
| Efficiency Ratio | 79.12% | 77.27% | 73.33% | 73.73% | 72.83% | 72.42% | 75.21% | 73.57% | -16 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 52.09% | 49.12% | 45.84% | 4.87% | 3.19% | 3.92% | 2.40% | 3.66% | -120 bps | |
| Loan Growth (YoY) | 83.30% | 80.31% | 73.71% | 1.39% | 3.52% | 9.22% | 13.89% | 13.37% | +1,198 bps | |
| Share Growth (YoY) | 62.70% | 58.50% | 52.95% | 6.37% | 2.18% | 2.36% | 1.37% | 2.41% | -395 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.69% | 0.83% | 0.93% | 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 | 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 | 12.98% | 13.15% | 13.00% | 13.28% | 13.46% | 13.52% | 13.60% | 13.82% | +54 bps | |
| Net Worth / Assets | 12.98% | 13.15% | 13.00% | 13.28% | 13.46% | 13.52% | 13.60% | 13.82% | +54 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 73.78% | 73.52% | 69.85% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |