PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Kinetic

Columbus, GA · Charter 10866

NCUA · 7 branches

Q2 2026

$664.6MAssets
$445.8MLoans
$569.5MShares
$93.6MNet 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 0.31%, down 130 bps year over year; NIM at 3.16%.
  • Asset quality: problem loans at 1.55% of loans (+2 bps YoY).
  • Capital: net worth / assets of 14.08%, down 40 bps from a year ago.
  • Funding: loans stand at 78.28% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.31%-130 bps YoY

Net Interest Margin (YTD, annualized)

3.16%-102 bps YoY

Efficiency Ratio (YTD, annualized)

76.88%+1,458 bps YoY

Net Worth / Assets

14.08%-40 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.61%1.68%1.53%-0.43%0.31%-130 bps
Return on Equity11.09%11.44%10.76%-3.12%2.20%-889 bps
Net Interest Margin4.18%4.15%4.01%2.28%3.16%-102 bps
Efficiency Ratio62.30%62.25%63.35%91.62%76.88%+1,458 bps
Growth
Asset Growth (YoY)9.38%10.62%11.52%10.14%8.06%-131 bps
Loan Growth (YoY)-0.31%0.65%1.13%0.93%3.50%+381 bps
Share Growth (YoY)8.58%10.14%11.23%10.42%8.20%-38 bps
Asset Quality
Delinquent Loans / Loans1.53%1.70%1.61%1.35%1.55%+2 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 Capital14.48%14.66%14.19%13.90%14.08%-40 bps
Net Worth / Assets14.48%14.66%14.19%13.90%14.08%-40 bps
Liquidity & Funding
Loans / Shares81.84%80.46%78.09%76.46%78.28%-356 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps