Mobile, AL · Charter 13659
NCUA · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
75
Asset Quality
60
Profitability
93
Liquidity
41
Efficiency
95
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Mobile, AL · Charter 13659
NCUA · 2 branches
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 | 3.28% | 3.07% | 2.33% | 2.21% | 2.45% | -83 bps | |
| Return on Equity | 22.14% | 19.85% | 15.05% | 14.13% | 14.90% | -723 bps | |
| Net Interest Margin | 4.75% | 4.77% | 4.15% | 4.55% | 4.63% | -12 bps | |
| Efficiency Ratio | 41.82% | 43.19% | 51.38% | 53.84% | 52.77% | +1,095 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.06% | -1.94% | -0.22% | -0.43% | 1.97% | +603 bps | |
| Loan Growth (YoY) | -9.52% | -11.58% | -12.86% | -13.89% | -13.35% | -383 bps | |
| Share Growth (YoY) | -7.16% | -4.76% | -3.21% | -2.56% | 0.79% | +795 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.58% | 0.39% | 0.35% | 0.31% | 0.49% | -9 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 | 14.83% | 15.46% | 15.51% | 15.66% | 16.45% | +162 bps | |
| Net Worth / Assets | 14.83% | 15.46% | 15.51% | 15.66% | 16.45% | +162 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 59.60% | 57.47% | 55.02% | 51.69% | 51.24% | -836 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Mobile, AL · Charter 13659 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
2.45%
Rank 31 of 1,683
Net Interest Margin
4.63%
Rank 276 of 1,683
Efficiency Ratio
52.78%
Rank 87 of 1,682
Equity / Assets
16.45%
Rank 426 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.45% | 0.35% | 0.74% | 1.18% | Beats 98% | 31 / 1,683 | |
| Return on Equity | 14.91% | 2.67% | 5.89% | 8.74% | Beats 97% | 48 / 1,681 | |
| Net Interest Margin | 4.63% | 3.31% | 3.82% | 4.32% | Beats 84% | 276 / 1,683 | |
| Efficiency Ratio | 52.78% | 68.91% | 78.20% | 86.93% | Beats 95% | 87 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.49% | 0.26% | 0.65% | 1.29% | Beats 60% | 681 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 16.45% | 10.44% | 12.89% | 16.53% | Beats 75% | 426 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 16.45% | 10.44% | 12.89% | 16.53% | Beats 75% | 426 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 51.24% | 52.61% | 69.38% | 83.50% | 23rd pctl | 1,294 / 1,683 | |
| Loans / Assets | 42.49% | 44.71% | 59.18% | 70.72% | 22nd pctl | 1,313 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||