Montgomery, AL · Charter 68575
NCUA · 16 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 | 0.99% | 1.08% | 1.10% | 1.19% | 1.31% | 1.32% | 1.74% | 1.60% | +40 bps | |
| Return on Equity | 7.37% | 7.84% | 8.16% | 8.65% | 9.32% | 9.36% | 12.13% | 11.00% | +235 bps | |
| Net Interest Margin | 3.07% | 3.14% | 3.12% | 3.20% | 3.22% | 3.19% | 3.17% | 3.16% | -5 bps | |
| Efficiency Ratio | 70.90% | 68.84% | 67.80% | 66.64% | 65.40% | 65.16% | 59.63% | 61.40% | -524 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.20% | 3.33% | 5.17% | 5.40% | 4.28% | 7.51% | 4.61% | 5.68% | +28 bps | |
| Loan Growth (YoY) | 11.80% | 8.22% | 1.85% | -1.72% | -4.68% | -3.15% | -1.29% | -0.87% | +85 bps | |
| Share Growth (YoY) | 4.50% | 2.57% | 4.08% | 3.98% | 2.80% | 5.02% | 2.34% | 4.12% | +14 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.80% | 0.91% | 0.80% | 0.84% | 0.90% | 0.89% | 0.70% | 0.68% | -16 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 | 13.40% | 13.82% | 13.51% | 13.79% | 14.10% | 14.13% | 14.34% | 14.52% | +73 bps | |
| Net Worth / Assets | 13.40% | 13.82% | 13.51% | 13.79% | 14.10% | 14.13% | 14.34% | 14.52% | +73 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 62.80% | 62.49% | 59.04% | 59.07% | 58.23% | 57.62% | 56.95% | 56.24% | -283 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |