PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Electrical Workers No 558

Sheffield, AL · Charter 12478

NCUA · 1 branch

Q2 2026

$45.9MAssets
$23.7MLoans
$36.3MShares
$9.4MNet Worth

Executive Summary

  • Earnings: ROA of 1.92%, down 32 bps year over year; NIM at 3.71%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 20.52%, up 179 bps from a year ago.
  • Funding: loans stand at 65.36% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.92%-32 bps YoY

Net Interest Margin (YTD, annualized)

3.71%-4 bps YoY

Efficiency Ratio (YTD, annualized)

46.59%+734 bps YoY

Net Worth / Assets

20.52%+179 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.02%2.03%2.26%2.24%2.35%2.27%1.99%1.92%-32 bps
Return on Equity11.64%11.35%12.32%11.97%12.16%11.32%9.82%9.38%-259 bps
Net Interest Margin3.53%3.57%3.72%3.75%3.81%3.88%3.75%3.71%-4 bps
Efficiency Ratio40.13%41.15%39.63%39.25%37.57%40.59%47.20%46.59%+734 bps
Growth
Asset Growth (YoY)12.09%8.48%4.94%2.19%1.71%0.94%1.13%1.52%-68 bps
Loan Growth (YoY)0.97%-2.88%-3.51%-3.45%-3.32%-4.48%-3.61%-2.36%+109 bps
Share Growth (YoY)11.94%7.64%3.38%0.08%-0.73%-1.58%-1.29%-0.71%-80 bps
Asset Quality
Delinquent Loans / Loans0.17%0.05%0.03%0.00%0.00%0.02%0.00%0.00%0 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 Capital17.38%17.93%18.31%18.73%19.36%20.03%20.29%20.52%+179 bps
Net Worth / Assets17.38%17.93%18.31%18.73%19.36%20.03%20.29%20.52%+179 bps
Liquidity & Funding
Loans / Shares67.79%66.93%65.10%66.46%66.03%64.96%63.57%65.36%-110 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps