Mc Intosh, AL · Charter 61277
NCUA · 1 branch
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
87
Asset Quality
74
Profitability
14
Liquidity
72
Efficiency
18
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.
Mc Intosh, AL · Charter 61277
NCUA · 1 branch
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 | 1.34% | 2.09% | 1.98% | 2.80% | 1.99% | 2.20% | -1.62% | -0.35% | -315 bps | |
| Return on Equity | 7.31% | 10.70% | 10.39% | 14.02% | 10.16% | 10.95% | -8.24% | -1.74% | -1,576 bps | |
| Net Interest Margin | 4.04% | 5.03% | 4.16% | 5.06% | 4.75% | 5.04% | 2.47% | 3.40% | -165 bps | |
| Efficiency Ratio | 57.73% | 54.76% | 64.88% | 52.60% | 63.65% | 60.97% | 133.01% | 89.17% | +3,657 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.98% | -3.79% | -2.10% | -0.39% | 2.84% | 9.44% | 3.07% | 3.44% | +383 bps | |
| Loan Growth (YoY) | -14.01% | -14.99% | -14.65% | -6.51% | -12.28% | -11.38% | -10.25% | -11.38% | -487 bps | |
| Share Growth (YoY) | -11.15% | -6.79% | -4.20% | -3.10% | 1.13% | 8.81% | 2.25% | 3.44% | +654 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.88% | 0.00% | 0.00% | 0.00% | 0.00% | 0.11% | 0.00% | 0.26% | +26 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 | 0.83% | 0.82% | 0.81% | 0.80% | 0.89% | 0.97% | 0.82% | 1.19% | +39 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 18.37% | 19.58% | 19.03% | 19.97% | 19.62% | 20.09% | 19.71% | 19.99% | +2 bps | |
| Net Worth / Assets | 18.37% | 19.58% | 19.03% | 19.97% | 19.62% | 20.09% | 19.71% | 19.99% | +2 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 76.66% | 77.94% | 67.24% | 70.90% | 66.49% | 63.48% | 59.02% | 60.75% | -1,016 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Mc Intosh, AL · Charter 61277 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
-0.34%
Rank 1,554 of 1,683
Net Interest Margin
3.38%
Rank 1,222 of 1,683
Efficiency Ratio
90.11%
Rank 1,384 of 1,682
Equity / Assets
19.99%
Rank 225 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.34% | 0.35% | 0.74% | 1.18% | Beats 8% | 1,554 / 1,683 | ||
| Return on Equity | -1.69% | 2.67% | 5.89% | 8.74% | Beats 8% | 1,541 / 1,681 | ||
| Net Interest Margin | 3.38% | 3.31% | 3.82% | 4.32% | Beats 27% | 1,222 / 1,683 | ||
| Efficiency Ratio | 90.11% | 68.91% | 78.20% | 86.93% | Beats 18% | 1,384 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.27% | 0.26% | 0.65% | 1.29% | Beats 74% | 431 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 19.99% | 10.44% | 12.89% | 16.53% | Beats 87% | 225 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 19.99% | 10.44% | 12.89% | 16.53% | Beats 87% | 225 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 60.75% | 52.61% | 69.38% | 83.50% | 36th pctl | 1,081 / 1,683 | ||
| Loans / Assets | 48.60% | 44.71% | 59.18% | 70.72% | 31st pctl | 1,158 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||