Normal, AL · Charter 9554
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.35% | -2.14% | -0.59% | 2.78% | 2.53% | +488 bps | |
| Return on Equity | -12.50% | -12.27% | -3.96% | 16.92% | 16.08% | +2,857 bps | |
| Net Interest Margin | 4.22% | 4.47% | 4.10% | 3.44% | 3.45% | -77 bps | |
| Efficiency Ratio | 100.73% | 113.16% | 88.98% | 25.31% | 31.74% | -6,899 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.00% | 8.91% | -0.03% | 13.12% | 8.61% | +861 bps | |
| Loan Growth (YoY) | 0.00% | -13.47% | -19.79% | -8.80% | -16.89% | -1,689 bps | |
| Share Growth (YoY) | 0.00% | 3.40% | 4.93% | 6.09% | 5.83% | +583 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.35% | 0.54% | 0.71% | 1.61% | 2.43% | +208 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 6.50% | 7.80% | 9.00% | 7.96% | 8.68% | +218 bps | |
| Capital | |||||||
| Risk-Based Capital | 18.78% | 17.45% | 15.01% | 16.42% | 15.74% | -304 bps | |
| Net Worth / Assets | 18.78% | 17.45% | 15.01% | 16.42% | 15.74% | -304 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 34.40% | 29.45% | 28.35% | 29.67% | 27.02% | -738 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |