Mobile, AL · Charter 60799
NCUA · 8 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.53% | 1.48% | 1.22% | 0.65% | 0.70% | +17 bps | |
| Return on Equity | 5.24% | 13.63% | 11.32% | 6.24% | 6.82% | +159 bps | |
| Net Interest Margin | 3.37% | 3.44% | 3.47% | 3.48% | 3.56% | +19 bps | |
| Efficiency Ratio | 85.19% | 71.76% | 75.13% | 83.29% | 81.72% | -348 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.97% | 2.56% | 5.87% | 11.72% | 11.21% | +924 bps | |
| Loan Growth (YoY) | 8.75% | 9.94% | 13.45% | 13.57% | 11.34% | +260 bps | |
| Share Growth (YoY) | 8.26% | 11.45% | 11.80% | 11.62% | 12.21% | +395 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.06% | 10.83% | 10.78% | 10.34% | 10.27% | +21 bps | |
| Net Worth / Assets | 10.06% | 10.83% | 10.78% | 10.34% | 10.27% | +21 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |