PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Legacy Community

Birmingham, AL · Charter 24421

NCUA · 11 branches

Q2 2026

$727.2MAssets
$426.9MLoans
$631.6MShares
$96.6MNet 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 0.84%, down 30 bps year over year; NIM at 3.19%.
  • Asset quality: problem loans at 1.64% of loans (+118 bps YoY).
  • Capital: net worth / assets of 13.28%, down 67 bps from a year ago.
  • Funding: loans stand at 67.58% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.84%-30 bps YoY

Net Interest Margin (YTD, annualized)

3.19%+48 bps YoY

Efficiency Ratio (YTD, annualized)

75.39%+946 bps YoY

Net Worth / Assets

13.28%-67 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.14%0.96%0.89%0.61%0.84%-30 bps
Return on Equity8.17%7.55%7.01%4.77%6.35%-182 bps
Net Interest Margin2.71%2.48%2.57%2.95%3.19%+48 bps
Efficiency Ratio65.92%67.22%69.33%80.23%75.39%+946 bps
Growth
Asset Growth (YoY)-0.39%12.68%14.17%12.89%11.83%+1,222 bps
Loan Growth (YoY)-5.74%12.63%13.84%12.83%12.48%+1,822 bps
Share Growth (YoY)-2.00%11.49%12.81%12.31%12.07%+1,407 bps
Asset Quality
Delinquent Loans / Loans0.46%0.32%0.91%1.07%1.64%+118 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 Capital13.95%12.71%12.74%12.85%13.28%-67 bps
Net Worth / Assets13.95%12.71%12.74%12.85%13.28%-67 bps
Liquidity & Funding
Loans / Shares67.33%70.67%69.06%67.20%67.58%+25 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps