PackageTrendsPeer
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Alloy

Alloy, WV · Charter 20324

NCUA · 2 branches

Q2 2026

$29.6MAssets
$19.0MLoans
$25.2MShares
$4.4MNet 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 0.86%, up 10 bps year over year; NIM at 4.23%.
  • Asset quality: problem loans at 1.83% of loans (+49 bps YoY).
  • Capital: net worth / assets of 14.73%, up 31 bps from a year ago.
  • Funding: loans stand at 75.14% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.86%+10 bps YoY

Net Interest Margin (YTD, annualized)

4.23%+18 bps YoY

Efficiency Ratio (YTD, annualized)

76.46%+69 bps YoY

Net Worth / Assets

14.73%+31 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.77%0.92%1.04%1.00%0.86%+10 bps
Return on Equity5.33%6.18%6.95%6.90%5.86%+53 bps
Net Interest Margin4.05%4.22%4.21%4.06%4.23%+18 bps
Efficiency Ratio75.76%76.41%75.67%81.79%76.46%+69 bps
Growth
Asset Growth (YoY)0.73%6.13%8.16%6.54%5.18%+445 bps
Loan Growth (YoY)-5.44%-5.22%-7.61%-3.81%-0.79%+465 bps
Share Growth (YoY)-0.11%6.06%8.18%6.19%4.86%+497 bps
Asset Quality
Delinquent Loans / Loans1.34%1.20%1.83%1.06%1.83%+49 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 Capital14.42%14.88%14.94%14.52%14.73%+31 bps
Net Worth / Assets14.42%14.88%14.94%14.52%14.73%+31 bps
Liquidity & Funding
Loans / Shares79.43%79.17%75.83%73.65%75.14%-428 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps