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Alabama One

Tuscaloosa, AL · Charter 68595

NCUA · 29 branches

Q2 2026

$1.5BAssets
$1.1BLoans
$1.4BShares
$138.1MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.59%, up 30 bps year over year; NIM at 2.85%.
  • Asset quality: problem loans at 0.85% of loans (+4 bps YoY).
  • Capital: net worth / assets of 9.08%, up 15 bps from a year ago.
  • Funding: loans stand at 82.23% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.59%+30 bps YoY

Net Interest Margin (quarter, annualized)

2.85%+44 bps YoY

Efficiency Ratio (quarter, annualized)

81.45%-734 bps YoY

Net Worth / Assets

9.08%+15 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.28%0.33%0.37%0.54%0.59%+30 bps
Return on Equity3.18%3.71%4.22%6.06%6.47%+330 bps
Net Interest Margin2.41%2.50%2.53%2.78%2.85%+44 bps
Efficiency Ratio88.79%87.59%86.49%82.04%81.45%-734 bps
Growth
Asset Growth (YoY)16.41%13.50%11.05%8.27%5.62%-1,080 bps
Loan Growth (YoY)8.88%10.88%12.19%12.24%13.27%+439 bps
Share Growth (YoY)15.13%14.66%11.80%8.14%5.44%-969 bps
Asset Quality
Delinquent Loans / Loans0.81%0.83%0.92%0.68%0.85%+4 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital8.92%8.94%8.82%8.99%9.08%+15 bps
Net Worth / Assets8.92%8.94%8.82%8.99%9.08%+15 bps
Liquidity & Funding
Loans / Shares76.54%77.91%79.69%79.45%82.23%+568 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps