PackageTrendsPeer
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Rocket City

Huntsville, AL · Charter 9662

NCUA · 1 branch

Q2 2026

$69.1MAssets
$30.2MLoans
$57.4MShares
$11.9MNet Worth

Executive Summary

  • Earnings: ROA of 1.45%, up 23 bps year over year; NIM at 4.03%.
  • Asset quality: problem loans at 0.17% of loans (+7 bps YoY).
  • Capital: net worth / assets of 17.25%, up 59 bps from a year ago.
  • Funding: loans stand at 52.64% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.45%+23 bps YoY

Net Interest Margin (YTD, annualized)

4.03%-1 bps YoY

Efficiency Ratio (YTD, annualized)

69.26%-7 bps YoY

Net Worth / Assets

17.25%+59 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.59%1.61%1.41%1.22%1.35%1.31%1.31%1.45%+23 bps
Return on Equity9.91%9.84%8.58%7.34%7.88%7.51%7.58%8.42%+107 bps
Net Interest Margin4.23%4.22%4.02%4.04%4.22%4.27%3.93%4.03%-1 bps
Efficiency Ratio65.19%64.89%68.75%69.33%68.14%70.01%74.87%69.26%-7 bps
Growth
Asset Growth (YoY)1.41%3.73%1.47%1.08%2.24%1.56%2.70%4.98%+390 bps
Loan Growth (YoY)16.85%10.76%5.38%3.89%2.51%2.83%5.20%-13.65%-1,754 bps
Share Growth (YoY)-0.34%2.75%-0.26%-0.80%0.76%1.57%1.57%5.33%+613 bps
Asset Quality
Delinquent Loans / Loans0.00%0.02%0.38%0.10%0.14%0.14%0.03%0.17%+7 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital16.04%16.33%16.41%16.65%17.12%17.39%17.23%17.25%+59 bps
Net Worth / Assets16.04%16.33%16.41%16.65%17.12%17.39%17.23%17.25%+59 bps
Liquidity & Funding
Loans / Shares59.95%57.44%53.32%64.21%60.99%58.15%55.22%52.64%-1,157 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps