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 | |