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African Diaspora

Saint Ann, MO · Charter 24975

NCUA · 1 branch

Q2 2026

$547KAssets
$35KLoans
$492KShares
$-12KNet 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 -17.79%, down 1,779 bps year over year; NIM at 1.64%.
  • Asset quality: problem loans at 0.00% of loans.
  • Capital: net worth / assets of -2.28%, down 10,228 bps from a year ago.
  • Funding: loans stand at 7.06% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-17.79%-1,779 bps YoY

Net Interest Margin (YTD, annualized)

1.64%+164 bps YoY

Efficiency Ratio (YTD, annualized)

304%

Net Worth / Assets

-2.28%-10,228 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.00%0.00%11.06%-0.41%-17.79%-1,779 bps
Return on Equity0.00%0.00%100.00%-10.59%n/an/a
Net Interest Margin0.00%0.00%-0.03%-0.46%1.64%+164 bps
Efficiency Ration/an/a0.00%n/a304%n/a
Growth
Asset Growth (YoY)n/an/an/an/a447%n/an/a
Loan Growth (YoY)n/an/an/an/an/an/an/a
Share Growth (YoY)n/an/an/an/an/an/an/a
Asset Quality
Delinquent Loans / Loansn/an/an/an/a0.00%n/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/a8.11%n/an/a
Capital
Risk-Based Capital100.00%100.00%11.06%3.86%-2.28%-10,228 bps
Net Worth / Assets100.00%100.00%11.06%3.86%-2.28%-10,228 bps
Liquidity & Funding
Loans / Sharesn/an/a0.00%0.00%7.06%n/a
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps