Sylacauga, AL · Charter 68586
NCUA · 7 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 | 0.27% | 0.14% | 0.47% | 0.14% | 0.33% | 0.34% | 0.40% | 0.68% | +54 bps | |
| Return on Equity | 2.86% | 1.47% | 4.69% | 1.37% | 3.28% | 3.47% | 4.12% | 6.64% | +526 bps | |
| Net Interest Margin | 3.57% | 3.57% | 4.11% | 4.29% | 4.26% | 4.07% | 4.02% | 4.26% | -3 bps | |
| Efficiency Ratio | 91.19% | 93.29% | 88.77% | 91.25% | 87.98% | 88.19% | 86.13% | 82.36% | -888 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.75% | 3.77% | -5.20% | -4.54% | -2.39% | 1.39% | 7.32% | 4.20% | +874 bps | |
| Loan Growth (YoY) | 1.83% | 2.16% | 0.90% | 0.63% | -0.89% | -1.35% | 1.21% | -0.18% | -81 bps | |
| Share Growth (YoY) | 10.46% | 6.88% | -6.87% | -9.34% | -3.07% | 0.77% | 7.38% | 7.97% | +1,732 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.70% | 0.49% | 0.37% | 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 | 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 | 9.52% | 9.63% | 10.00% | 9.97% | 9.93% | 9.84% | 9.64% | 10.18% | +21 bps | |
| Net Worth / Assets | 9.52% | 9.63% | 10.00% | 9.97% | 9.93% | 9.84% | 9.64% | 10.18% | +21 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 78.26% | 80.54% | 81.36% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |