Sylacauga, AL · Charter 68586
NCUA · 7 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.14% | 0.33% | 0.34% | 0.40% | 0.68% | +54 bps | |
| Return on Equity | 1.37% | 3.28% | 3.47% | 4.12% | 6.64% | +526 bps | |
| Net Interest Margin | 4.29% | 4.26% | 4.07% | 4.02% | 4.26% | -3 bps | |
| Efficiency Ratio | 91.25% | 87.98% | 88.19% | 86.13% | 82.36% | -888 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.54% | -2.39% | 1.39% | 7.32% | 4.20% | +874 bps | |
| Loan Growth (YoY) | 0.63% | -0.89% | -1.35% | 1.21% | -0.18% | -81 bps | |
| Share Growth (YoY) | -9.34% | -3.07% | 0.77% | 7.38% | 7.97% | +1,732 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.52% | 0.67% | 0.62% | 0.67% | 0.88% | +36 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 | 9.97% | 9.93% | 9.84% | 9.64% | 10.18% | +21 bps | |
| Net Worth / Assets | 9.97% | 9.93% | 9.84% | 9.64% | 10.18% | +21 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 86.06% | 80.03% | 78.84% | 76.68% | 79.57% | -649 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |