PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Family Savings

Rainbow City, AL · Charter 68628

NCUA · 15 branches

Q2 2026

$1.2BAssets
$968.4MLoans
$999.6MShares
$104.2MNet Worth

Executive Summary

  • Earnings: ROA of 0.65%, up 8 bps year over year; NIM at 3.93%.
  • Asset quality: problem loans at 1.03% of loans (+4 bps YoY).
  • Capital: net worth / assets of 8.86%, up 61 bps from a year ago.
  • Funding: loans stand at 96.88% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

0.65%+8 bps YoY

Net Interest Margin (quarter, annualized)

3.93%+36 bps YoY

Efficiency Ratio (quarter, annualized)

85.05%+54 bps YoY

Net Worth / Assets

8.86%+61 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.82%0.73%0.50%0.57%0.69%0.86%0.65%0.65%+8 bps
Return on Equity9.52%8.42%5.93%6.94%8.06%9.94%7.47%7.37%+43 bps
Net Interest Margin3.54%3.55%3.57%3.57%3.72%3.71%3.88%3.93%+36 bps
Efficiency Ratio75.93%78.02%85.03%84.51%81.65%78.92%84.59%85.05%+54 bps
Growth
Asset Growth (YoY)15.08%8.05%9.02%11.23%9.36%10.80%7.26%3.68%-755 bps
Loan Growth (YoY)9.40%9.73%13.37%13.46%13.59%12.39%6.90%5.11%-836 bps
Share Growth (YoY)17.34%9.37%10.28%12.96%10.20%11.49%7.45%3.59%-937 bps
Asset Quality
Delinquent Loans / Loans0.96%1.15%1.01%0.99%0.95%1.17%1.09%1.03%+4 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital8.67%8.66%8.38%8.25%8.53%8.68%8.71%8.86%+61 bps
Net Worth / Assets8.67%8.66%8.38%8.25%8.53%8.68%8.71%8.86%+61 bps
Liquidity & Funding
Loans / Shares95.95%97.17%96.40%95.48%98.91%97.95%95.91%96.88%+140 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps