PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Tuscaloosa V A

Tuscaloosa, AL · Charter 7532

NCUA · 2 branches

Q2 2026

$51.9MAssets
$31.5MLoans
$45.6MShares
$6.8MNet 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 1.12%, up 99 bps year over year; NIM at 4.47%.
  • Asset quality: problem loans at 0.24% of loans (-48 bps YoY).
  • Capital: net worth / assets of 13.07%, up 35 bps from a year ago.
  • Funding: loans stand at 68.96% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.12%+99 bps YoY

Net Interest Margin (quarter, annualized)

4.47%+104 bps YoY

Efficiency Ratio (quarter, annualized)

69.35%-1,380 bps YoY

Net Worth / Assets

13.07%+35 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.14%0.66%0.63%1.15%1.12%+99 bps
Return on Equity1.09%5.11%4.92%8.92%8.61%+752 bps
Net Interest Margin3.43%3.75%3.73%4.59%4.47%+104 bps
Efficiency Ratio83.15%76.93%78.64%67.96%69.35%-1,380 bps
Growth
Asset Growth (YoY)7.22%7.78%8.19%7.21%6.39%-83 bps
Loan Growth (YoY)32.16%21.86%11.58%47.70%5.41%-2,676 bps
Share Growth (YoY)7.22%7.08%6.85%6.25%5.16%-206 bps
Asset Quality
Delinquent Loans / Loans0.72%0.00%0.53%0.55%0.24%-48 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 Capital12.72%12.87%12.77%12.88%13.07%+35 bps
Net Worth / Assets12.72%12.87%12.77%12.88%13.07%+35 bps
Liquidity & Funding
Loans / Shares68.80%60.87%54.43%71.33%68.96%+16 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps