Auburn, AL · Charter 68701
NCUA · 3 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% | 0.36% | 0.25% | 0.51% | 0.46% | 0.44% | 0.55% | 0.59% | +8 bps | |
| Return on Equity | 2.66% | 3.60% | 2.55% | 5.17% | 4.73% | 4.50% | 5.72% | 6.03% | +86 bps | |
| Net Interest Margin | 2.82% | 2.87% | 2.84% | 2.92% | 2.90% | 2.91% | 2.93% | 3.05% | +14 bps | |
| Efficiency Ratio | 86.31% | 83.61% | 83.57% | 81.50% | 81.90% | 81.72% | 79.80% | 78.73% | -277 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.02% | -0.32% | 2.02% | 3.17% | 7.55% | 8.02% | 6.95% | 5.83% | +267 bps | |
| Loan Growth (YoY) | 8.75% | 9.13% | 7.71% | 11.15% | 10.39% | 13.98% | 19.26% | 23.28% | +1,214 bps | |
| Share Growth (YoY) | -1.33% | -2.04% | 0.03% | 1.82% | 6.44% | 6.63% | 6.02% | 4.50% | +268 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.04% | 1.13% | 0.65% | 0.71% | 0.82% | 0.98% | 0.59% | 0.59% | -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 | 10.00% | 10.05% | 9.75% | 9.89% | 9.74% | 9.69% | 9.57% | 9.77% | -12 bps | |
| Net Worth / Assets | 10.00% | 10.05% | 9.75% | 9.89% | 9.74% | 9.69% | 9.57% | 9.77% | -12 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 55.60% | 55.82% | 54.65% | 56.21% | 57.66% | 59.67% | 61.48% | 66.31% | +1,010 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |