Tuscaloosa, AL · Charter 7532
NCUA · 2 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.61% | 0.58% | 0.33% | 0.14% | 0.66% | 0.63% | 1.15% | 1.12% | +99 bps | |
| Return on Equity | 4.58% | 4.40% | 2.53% | 1.09% | 5.11% | 4.92% | 8.92% | 8.61% | +752 bps | |
| Net Interest Margin | 3.27% | 3.27% | 3.27% | 3.43% | 3.75% | 3.73% | 4.59% | 4.47% | +104 bps | |
| Efficiency Ratio | 84.01% | 84.41% | 87.46% | 83.15% | 76.93% | 78.64% | 67.96% | 69.35% | -1,380 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.89% | 4.87% | 5.91% | 7.22% | 7.78% | 8.19% | 7.21% | 6.39% | -83 bps | |
| Loan Growth (YoY) | 28.77% | 3.20% | -0.11% | 32.16% | 21.86% | 11.58% | 47.70% | 5.41% | -2,676 bps | |
| Share Growth (YoY) | 0.41% | 5.35% | 5.88% | 7.22% | 7.08% | 6.85% | 6.25% | 5.16% | -206 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.26% | 0.95% | 0.85% | 0.72% | 0.00% | 0.53% | 0.55% | 0.24% | -48 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 | 13.21% | 13.13% | 12.91% | 12.72% | 12.87% | 12.77% | 12.88% | 13.07% | +35 bps | |
| Net Worth / Assets | 13.21% | 13.13% | 12.91% | 12.72% | 12.87% | 12.77% | 12.88% | 13.07% | +35 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 53.49% | 52.12% | 51.31% | 68.80% | 60.87% | 54.43% | 71.33% | 68.96% | +16 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |