Mobile, AL · Charter 60799
NCUA · 8 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
23
Asset Quality
68
Profitability
47
Liquidity
57
Efficiency
40
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Mobile, AL · Charter 60799
NCUA · 8 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.38% | 0.43% | 0.51% | 0.53% | 1.48% | 1.22% | 0.65% | 0.70% | +17 bps | |
| Return on Equity | 3.89% | 4.27% | 5.04% | 5.24% | 13.63% | 11.32% | 6.24% | 6.82% | +159 bps | |
| Net Interest Margin | 2.82% | 2.96% | 3.36% | 3.37% | 3.44% | 3.47% | 3.48% | 3.56% | +19 bps | |
| Efficiency Ratio | 88.53% | 88.21% | 83.76% | 85.19% | 71.76% | 75.13% | 83.29% | 81.72% | -348 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.79% | -2.89% | -2.00% | 1.97% | 2.56% | 5.87% | 11.72% | 11.21% | +924 bps | |
| Loan Growth (YoY) | 16.46% | 12.30% | 10.85% | 8.75% | 9.94% | 13.45% | 13.57% | 11.34% | +260 bps | |
| Share Growth (YoY) | -3.06% | -1.94% | 2.68% | 8.26% | 11.45% | 11.80% | 11.62% | 12.21% | +395 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.18% | 0.27% | 0.09% | 0.20% | 0.16% | 0.20% | 0.34% | 0.37% | +17 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.76% | 10.04% | 10.14% | 10.06% | 10.83% | 10.78% | 10.34% | 10.27% | +21 bps | |
| Net Worth / Assets | 9.76% | 10.04% | 10.14% | 10.06% | 10.83% | 10.78% | 10.34% | 10.27% | +21 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 82.22% | 82.07% | 78.70% | 79.86% | 81.10% | 83.29% | 80.08% | 79.25% | -61 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Mobile, AL · Charter 60799 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 8 branches
Q2 2026
Return on Assets
0.70%
Rank 887 of 1,683
Net Interest Margin
3.56%
Rank 1,080 of 1,683
Efficiency Ratio
81.71%
Rank 1,018 of 1,682
Equity / Assets
10.27%
Rank 1,292 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.70% | 0.35% | 0.74% | 1.18% | Beats 47% | 887 / 1,683 | ||
| Return on Equity | 6.82% | 2.67% | 5.89% | 8.74% | Beats 59% | 687 / 1,681 | ||
| Net Interest Margin | 3.56% | 3.31% | 3.82% | 4.32% | Beats 36% | 1,080 / 1,683 | ||
| Efficiency Ratio | 81.71% | 68.91% | 78.20% | 86.93% | Beats 40% | 1,018 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.37% | 0.26% | 0.65% | 1.29% | Beats 68% | 541 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.27% | 10.44% | 12.89% | 16.53% | Beats 23% | 1,292 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.27% | 10.44% | 12.89% | 16.53% | Beats 23% | 1,292 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 79.25% | 52.61% | 69.38% | 83.50% | 68th pctl | 539 / 1,683 | ||
| Loans / Assets | 70.26% | 44.71% | 59.18% | 70.72% | 74th pctl | 437 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||