PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Alatrust

Hoover, AL · Charter 60934

NCUA · 6 branches

Q2 2026

$224.0MAssets
$125.3MLoans
$197.8MShares
$31.3MNet 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 1.25%, up 36 bps year over year; NIM at 3.55%.
  • Asset quality: problem loans at 1.72% of loans (+113 bps YoY).
  • Capital: net worth / assets of 13.97%, up 5 bps from a year ago.
  • Funding: loans stand at 63.34% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.25%+36 bps YoY

Net Interest Margin (YTD, annualized)

3.55%+13 bps YoY

Efficiency Ratio (YTD, annualized)

67.05%-542 bps YoY

Net Worth / Assets

13.97%+5 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.89%0.95%0.86%1.18%1.25%+36 bps
Return on Equity6.42%6.71%6.14%8.47%8.97%+255 bps
Net Interest Margin3.42%3.43%3.22%3.54%3.55%+13 bps
Efficiency Ratio72.47%71.54%72.40%68.43%67.05%-542 bps
Growth
Asset Growth (YoY)3.50%2.23%5.53%6.38%6.92%+342 bps
Loan Growth (YoY)6.96%10.10%7.07%11.05%8.26%+130 bps
Share Growth (YoY)7.89%7.01%3.60%5.35%5.98%-191 bps
Asset Quality
Delinquent Loans / Loans0.59%1.82%1.65%1.93%1.72%+113 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 Capital13.92%14.10%14.02%13.91%13.97%+5 bps
Net Worth / Assets13.92%14.10%14.02%13.91%13.97%+5 bps
Liquidity & Funding
Loans / Shares62.00%64.19%63.33%62.75%63.34%+133 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps