Muscle Shoals, AL · Charter 68559
NCUA · 10 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 | 1.39% | 1.28% | 0.96% | 1.11% | 1.21% | 1.21% | 0.99% | 1.08% | -3 bps | |
| Return on Equity | 7.90% | 7.13% | 5.40% | 6.16% | 6.53% | 6.60% | 5.42% | 5.87% | -29 bps | |
| Net Interest Margin | 2.58% | 2.62% | 2.57% | 2.65% | 2.75% | 2.74% | 2.55% | 2.59% | -6 bps | |
| Efficiency Ratio | 54.55% | 57.54% | 65.56% | 62.18% | 60.80% | 60.55% | 63.20% | 60.82% | -136 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.54% | -2.00% | -0.14% | 2.43% | 1.09% | 4.51% | 4.54% | 4.86% | +244 bps | |
| Loan Growth (YoY) | 15.32% | 10.76% | 6.34% | 2.31% | 4.10% | 8.41% | 9.90% | 16.93% | +1,462 bps | |
| Share Growth (YoY) | -2.82% | -3.05% | -2.40% | 0.72% | 0.31% | 1.02% | 2.41% | 2.89% | +217 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.55% | 0.45% | 0.39% | 0.25% | 0.35% | 0.28% | 0.29% | 0.32% | +7 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 | 17.61% | 17.96% | 17.85% | 18.03% | 18.55% | 18.39% | 18.28% | 18.38% | +35 bps | |
| Net Worth / Assets | 17.61% | 17.96% | 17.85% | 18.03% | 18.55% | 18.39% | 18.28% | 18.38% | +35 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 42.12% | 41.83% | 41.13% | 40.76% | 43.71% | 44.88% | 44.14% | 46.32% | +556 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |