Charlotte Amali, VI · Charter 23294
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 | -4.56% | -4.16% | -3.81% | -6.96% | -5.97% | -141 bps | |
| Return on Equity | -58.11% | -64.01% | -54.05% | -131.69% | -116.26% | -5,815 bps | |
| Net Interest Margin | 3.12% | 3.04% | 3.55% | 3.09% | 3.28% | +16 bps | |
| Efficiency Ratio | 224% | 213% | 177.66% | 300% | 260% | +3,571 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.07% | -0.90% | -3.00% | -6.36% | -6.19% | -512 bps | |
| Loan Growth (YoY) | -4.81% | 2.34% | 5.19% | 3.63% | 21.62% | +2,643 bps | |
| Share Growth (YoY) | 2.07% | 3.60% | 1.13% | -2.26% | -3.22% | -529 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.64% | 2.51% | 3.98% | 5.54% | 7.42% | +678 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 9.60% | 10.93% | 11.42% | 12.63% | 6.57% | -303 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.85% | 6.50% | 7.06% | 5.28% | 5.14% | -272 bps | |
| Net Worth / Assets | 7.85% | 6.50% | 7.06% | 5.28% | 5.14% | -272 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 23.57% | 23.02% | 26.30% | 25.32% | 29.62% | +605 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |