Prattville, AL · Charter 68374
NCUA · 15 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 | 0.65% | 0.70% | 0.89% | 1.10% | 1.24% | 1.30% | 1.10% | 1.18% | +9 bps | |
| Return on Equity | 7.27% | 7.49% | 9.69% | 11.91% | 13.21% | 13.64% | 11.53% | 12.50% | +59 bps | |
| Net Interest Margin | 3.78% | 3.90% | 4.00% | 4.03% | 4.01% | 4.00% | 4.05% | 3.93% | -10 bps | |
| Efficiency Ratio | 73.29% | 71.78% | 67.58% | 65.85% | 65.78% | 65.35% | 69.01% | 67.50% | +165 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.98% | 3.37% | 4.88% | 6.95% | 8.61% | 12.29% | 11.17% | 12.57% | +562 bps | |
| Loan Growth (YoY) | 7.02% | 2.30% | 4.07% | 4.63% | 7.21% | 8.07% | 6.21% | 7.31% | +268 bps | |
| Share Growth (YoY) | 11.56% | 9.99% | 4.75% | 4.30% | 4.06% | 6.10% | 6.66% | 7.74% | +344 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.84% | 1.70% | 1.09% | 1.10% | 1.35% | 1.77% | 1.25% | 1.45% | +35 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 | 9.00% | 9.30% | 9.18% | 9.20% | 9.36% | 9.56% | 9.57% | 9.46% | +26 bps | |
| Net Worth / Assets | 9.00% | 9.30% | 9.18% | 9.20% | 9.36% | 9.56% | 9.57% | 9.46% | +26 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 91.88% | 91.77% | 92.52% | 94.18% | 94.66% | 93.47% | 92.14% | 93.80% | -38 bps | |
| Liquid Assets / Assets | 99.29% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |