Mobile, AL · Charter 21794
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 | 0.58% | 0.77% | 0.74% | 0.48% | 0.73% | +15 bps | |
| Return on Equity | 4.49% | 5.76% | 5.42% | 3.47% | 5.23% | +74 bps | |
| Net Interest Margin | 3.33% | 3.49% | 3.54% | 3.57% | 3.68% | +35 bps | |
| Efficiency Ratio | 86.52% | 85.34% | 86.13% | 92.51% | 88.92% | +240 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.38% | -1.16% | -0.35% | -0.82% | -2.23% | -361 bps | |
| Loan Growth (YoY) | -3.01% | -0.76% | -0.05% | -1.94% | -3.99% | -99 bps | |
| Share Growth (YoY) | 0.94% | -2.39% | -1.46% | -2.14% | -3.50% | -444 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.53% | 0.36% | 0.45% | 0.26% | 0.63% | +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 | 12.89% | 13.41% | 13.59% | 13.78% | 13.99% | +110 bps | |
| Net Worth / Assets | 12.89% | 13.41% | 13.59% | 13.78% | 13.99% | +110 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 47.58% | 50.00% | 49.03% | 48.33% | 47.34% | -24 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |