PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Mutual Savings

Birmingham, AL · Charter 60501

NCUA · 7 branches

Q2 2026

$242.8MAssets
$146.0MLoans
$214.0MShares
$22.0MNet 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 0.26%, up 22 bps year over year; NIM at 3.41%.
  • Asset quality: problem loans at 0.19% of loans (+9 bps YoY).
  • Capital: net worth / assets of 9.06%, up 16 bps from a year ago.
  • Funding: loans stand at 68.24% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.26%+22 bps YoY

Net Interest Margin (YTD, annualized)

3.41%+34 bps YoY

Efficiency Ratio (YTD, annualized)

91.47%-789 bps YoY

Net Worth / Assets

9.06%+16 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.03%0.15%0.15%0.19%0.26%+22 bps
Return on Equity0.36%1.64%1.71%2.18%2.82%+245 bps
Net Interest Margin3.07%3.16%3.20%3.34%3.41%+34 bps
Efficiency Ratio99.35%96.14%95.40%92.81%91.47%-789 bps
Growth
Asset Growth (YoY)4.24%4.14%2.14%0.82%0.74%-350 bps
Loan Growth (YoY)-1.59%2.04%4.80%5.92%5.47%+706 bps
Share Growth (YoY)1.99%2.36%1.53%0.43%0.24%-174 bps
Asset Quality
Delinquent Loans / Loans0.10%0.10%0.10%0.44%0.19%+9 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 Capital8.90%9.01%9.00%8.92%9.06%+16 bps
Net Worth / Assets8.90%9.01%9.00%8.92%9.06%+16 bps
Liquidity & Funding
Loans / Shares64.86%67.37%68.36%68.03%68.24%+338 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps