PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Mead Coated Board

Eufaula, AL · Charter 18192

NCUA · 1 branch

Q2 2026

$40.3MAssets
$9.8MLoans
$31.1MShares
$9.3MNet 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 0.53%, up 44 bps year over year; NIM at 1.81%.
  • Asset quality: problem loans at 6.71% of loans (+110 bps YoY).
  • Capital: net worth / assets of 23.02%, up 112 bps from a year ago.
  • Funding: loans stand at 31.64% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.53%+44 bps YoY

Net Interest Margin (YTD, annualized)

1.81%+80 bps YoY

Efficiency Ratio (YTD, annualized)

71.75%-2,044 bps YoY

Net Worth / Assets

23.02%+112 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.09%0.12%0.18%0.77%0.53%+44 bps
Return on Equity0.39%0.55%0.78%3.35%2.30%+190 bps
Net Interest Margin1.01%1.04%1.16%1.71%1.81%+80 bps
Efficiency Ratio92.19%89.38%85.95%57.01%71.75%-2,044 bps
Growth
Asset Growth (YoY)-9.71%-6.45%-6.41%-3.23%-3.92%+579 bps
Loan Growth (YoY)6.41%-0.35%-1.14%-4.92%-7.06%-1,348 bps
Share Growth (YoY)-10.36%-6.39%-5.69%-4.60%-5.48%+487 bps
Asset Quality
Delinquent Loans / Loans5.61%7.04%7.90%6.78%6.71%+110 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 Capital21.90%21.91%22.61%22.84%23.02%+112 bps
Net Worth / Assets21.90%21.91%22.61%22.84%23.02%+112 bps
Liquidity & Funding
Loans / Shares32.17%31.54%33.13%32.64%31.64%-54 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps