Birmingham, AL · Charter 68583
NCUA · 19 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 | 0.75% | 0.93% | 0.93% | 1.04% | 1.06% | +31 bps | |
| Return on Equity | 7.90% | 9.41% | 9.41% | 10.42% | 10.29% | +239 bps | |
| Net Interest Margin | 3.37% | 3.48% | 3.46% | 3.50% | 3.54% | +17 bps | |
| Efficiency Ratio | 77.74% | 75.61% | 75.31% | 72.19% | 73.06% | -468 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.49% | -0.97% | 1.99% | 1.88% | 3.13% | +362 bps | |
| Loan Growth (YoY) | 4.47% | 4.23% | 4.47% | 3.13% | 2.84% | -162 bps | |
| Share Growth (YoY) | -0.30% | -2.50% | 0.38% | 0.14% | 2.02% | +232 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.34% | 0.38% | 0.58% | 0.39% | 0.46% | +11 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 | 9.51% | 9.87% | 9.88% | 10.02% | 10.31% | +80 bps | |
| Net Worth / Assets | 9.51% | 9.87% | 9.88% | 10.02% | 10.31% | +80 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 88.24% | 91.06% | 89.94% | 88.26% | 88.95% | +71 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |