Huntsville, AL · Charter 9662
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.22% | 1.35% | 1.31% | 1.31% | 1.45% | +23 bps | |
| Return on Equity | 7.34% | 7.88% | 7.51% | 7.58% | 8.42% | +107 bps | |
| Net Interest Margin | 4.04% | 4.22% | 4.27% | 3.93% | 4.03% | -1 bps | |
| Efficiency Ratio | 69.33% | 68.14% | 70.01% | 74.87% | 69.26% | -7 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.08% | 2.24% | 1.56% | 2.70% | 4.98% | +390 bps | |
| Loan Growth (YoY) | 3.89% | 2.51% | 2.83% | 5.20% | -13.65% | -1,754 bps | |
| Share Growth (YoY) | -0.80% | 0.76% | 1.57% | 1.57% | 5.33% | +613 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.10% | 0.14% | 0.14% | 0.03% | 0.17% | +7 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.65% | 17.12% | 17.39% | 17.23% | 17.25% | +59 bps | |
| Net Worth / Assets | 16.65% | 17.12% | 17.39% | 17.23% | 17.25% | +59 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 64.21% | 60.99% | 58.15% | 55.22% | 52.64% | -1,157 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |