Birmingham, AL · Charter 68583
NCUA · 19 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.33% | 0.33% | 0.70% | 0.75% | 0.93% | 0.93% | 1.04% | 1.06% | +31 bps | |
| Return on Equity | 3.64% | 3.66% | 7.62% | 7.90% | 9.41% | 9.41% | 10.42% | 10.29% | +239 bps | |
| Net Interest Margin | 2.85% | 2.92% | 3.20% | 3.37% | 3.48% | 3.46% | 3.50% | 3.54% | +17 bps | |
| Efficiency Ratio | 85.21% | 85.80% | 78.13% | 77.74% | 75.61% | 75.31% | 72.19% | 73.06% | -468 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.78% | 2.41% | 0.86% | -0.49% | -0.97% | 1.99% | 1.88% | 3.13% | +362 bps | |
| Loan Growth (YoY) | 5.39% | 4.82% | 6.09% | 4.47% | 4.23% | 4.47% | 3.13% | 2.84% | -162 bps | |
| Share Growth (YoY) | 5.95% | 3.38% | 1.52% | -0.30% | -2.50% | 0.38% | 0.14% | 2.02% | +232 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.26% | 0.31% | 0.29% | 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 | 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% | 9.14% | 9.17% | 9.51% | 9.87% | 9.88% | 10.02% | 10.31% | +80 bps | |
| Net Worth / Assets | 9.00% | 9.14% | 9.17% | 9.51% | 9.87% | 9.88% | 10.02% | 10.31% | +80 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.18% | 86.42% | 85.70% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |