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 | |