PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Mount Olive Baptist Church

Arlington, TX · Charter 24605

NCUA · 1 branch

Q2 2026

$10.7MAssets
$6.0MLoans
$8.8MShares
$1.8MNet 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 -0.81%, down 208 bps year over year; NIM at 3.28%.
  • Asset quality: problem loans at 2.84% of loans (-250 bps YoY).
  • Capital: net worth / assets of 16.93%, down 9 bps from a year ago.
  • Funding: loans stand at 67.75% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.81%-208 bps YoY

Net Interest Margin (YTD, annualized)

3.28%-50 bps YoY

Efficiency Ratio (YTD, annualized)

70.20%+1,614 bps YoY

Net Worth / Assets

16.93%-9 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.26%0.96%0.85%-2.96%-0.81%-208 bps
Return on Equity7.43%5.63%4.82%-17.63%-4.79%-1,222 bps
Net Interest Margin3.78%3.68%3.79%3.30%3.28%-50 bps
Efficiency Ratio54.05%51.64%50.99%78.20%70.20%+1,614 bps
Growth
Asset Growth (YoY)5.84%6.96%0.99%0.90%-1.50%-734 bps
Loan Growth (YoY)-1.50%6.73%7.91%6.26%-6.21%-470 bps
Share Growth (YoY)3.90%6.38%0.51%1.56%0.16%-373 bps
Asset Quality
Delinquent Loans / Loans5.34%1.96%4.75%3.76%2.84%-250 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 Capital17.02%17.02%17.58%16.80%16.93%-9 bps
Net Worth / Assets17.02%17.02%17.58%16.80%16.93%-9 bps
Liquidity & Funding
Loans / Shares72.35%73.59%75.28%71.52%67.75%-460 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps