Irondale, AL · Charter 68688
NCUA · 1 branch
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 | 0.30% | 0.17% | 0.38% | 0.34% | 0.43% | 0.36% | 0.64% | 0.65% | +31 bps | |
| Return on Equity | 2.24% | 1.25% | 2.76% | 2.49% | 3.10% | 2.50% | 4.51% | 4.50% | +201 bps | |
| Net Interest Margin | 1.27% | 1.29% | 1.58% | 1.53% | 1.64% | 1.67% | 2.13% | 2.15% | +62 bps | |
| Efficiency Ratio | 78.68% | 85.60% | 74.60% | 77.48% | 74.09% | 78.63% | 67.85% | 67.95% | -953 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.13% | -2.49% | -1.58% | -3.06% | -1.63% | -2.49% | -0.92% | -1.57% | +149 bps | |
| Loan Growth (YoY) | -4.34% | -7.50% | -9.90% | -9.93% | -10.47% | -10.40% | -9.98% | -12.80% | -287 bps | |
| Share Growth (YoY) | -3.79% | -3.31% | -2.43% | -3.72% | -2.53% | -3.76% | -1.87% | -2.34% | +138 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.40% | 0.34% | 0.00% | 0.19% | 0.17% | 0.12% | 0.11% | 0.07% | -12 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 | 13.52% | 13.50% | 13.67% | 13.68% | 14.01% | 14.20% | 14.21% | 14.40% | +72 bps | |
| Net Worth / Assets | 13.52% | 13.50% | 13.67% | 13.68% | 14.01% | 14.20% | 14.21% | 14.40% | +72 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 15.63% | 15.23% | 14.87% | 14.59% | 14.36% | 14.18% | 13.64% | 13.03% | -156 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |