Tuscaloosa, AL · Charter 68595
NCUA · 29 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 | 0.36% | 0.31% | 0.24% | 0.28% | 0.33% | 0.37% | 0.54% | 0.59% | +30 bps | |
| Return on Equity | 3.72% | 3.30% | 2.67% | 3.18% | 3.71% | 4.22% | 6.06% | 6.47% | +330 bps | |
| Net Interest Margin | 2.47% | 2.38% | 2.38% | 2.41% | 2.50% | 2.53% | 2.78% | 2.85% | +44 bps | |
| Efficiency Ratio | 87.71% | 88.64% | 89.96% | 88.79% | 87.59% | 86.49% | 82.04% | 81.45% | -734 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 25.60% | 8.95% | 13.50% | 16.41% | 13.50% | 11.05% | 8.27% | 5.62% | -1,080 bps | |
| Loan Growth (YoY) | 12.87% | 5.65% | 7.18% | 8.88% | 10.88% | 12.19% | 12.24% | 13.27% | +439 bps | |
| Share Growth (YoY) | 30.17% | 11.68% | 12.77% | 15.13% | 14.66% | 11.80% | 8.14% | 5.44% | -969 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.79% | 1.15% | 0.69% | 0.81% | 0.83% | 0.92% | 0.68% | 0.85% | +4 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 | 9.62% | 9.51% | 9.13% | 8.92% | 8.94% | 8.82% | 8.99% | 9.08% | +15 bps | |
| Net Worth / Assets | 9.62% | 9.51% | 9.13% | 8.92% | 8.94% | 8.82% | 8.99% | 9.08% | +15 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 80.57% | 79.42% | 76.55% | 76.54% | 77.91% | 79.69% | 79.45% | 82.23% | +568 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |