Mobile, AL · Charter 61286
NCUA · 4 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
53
Asset Quality
46
Profitability
66
Liquidity
0
Efficiency
86
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 61286
NCUA · 4 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 | 0.84% | 0.84% | 1.07% | 1.25% | 1.27% | 1.24% | 1.36% | 1.51% | +26 bps | |
| Return on Equity | 7.15% | 7.23% | 8.96% | 10.14% | 10.06% | 9.68% | 10.61% | 11.40% | +126 bps | |
| Net Interest Margin | 2.75% | 2.74% | 2.86% | 2.94% | 3.02% | 2.99% | 3.09% | 3.20% | +25 bps | |
| Efficiency Ratio | 75.68% | 75.71% | 69.57% | 66.74% | 66.42% | 67.18% | 65.68% | 62.93% | -382 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.51% | 0.66% | 2.27% | 2.86% | 2.05% | 1.23% | 3.54% | 3.79% | +93 bps | |
| Loan Growth (YoY) | -10.98% | -8.34% | -5.28% | -7.96% | -8.58% | -10.90% | -10.92% | -11.93% | -396 bps | |
| Share Growth (YoY) | -2.95% | -0.16% | 1.42% | 1.97% | 0.77% | -0.01% | 2.49% | 2.55% | +58 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.55% | 0.60% | 0.89% | 1.11% | 0.51% | 0.20% | 0.64% | 0.74% | -36 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 | 11.70% | 11.68% | 11.95% | 12.30% | 12.64% | 12.77% | 12.82% | 13.20% | +90 bps | |
| Net Worth / Assets | 11.70% | 11.68% | 11.95% | 12.30% | 12.64% | 12.77% | 12.82% | 13.20% | +90 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 16.68% | 16.37% | 16.02% | 15.55% | 15.13% | 14.59% | 13.92% | 13.36% | -220 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 61286 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 4 branches
Q2 2026
Return on Assets
1.50%
Rank 240 of 1,683
Net Interest Margin
3.20%
Rank 1,336 of 1,683
Efficiency Ratio
62.91%
Rank 243 of 1,682
Equity / Assets
13.20%
Rank 783 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.50% | 0.35% | 0.74% | 1.18% | Beats 86% | 240 / 1,683 | ||
| Return on Equity | 11.40% | 2.67% | 5.89% | 8.74% | Beats 90% | 172 / 1,681 | ||
| Net Interest Margin | 3.20% | 3.31% | 3.82% | 4.32% | Beats 21% | 1,336 / 1,683 | ||
| Efficiency Ratio | 62.91% | 68.91% | 78.20% | 86.93% | Beats 86% | 243 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.75% | 0.26% | 0.65% | 1.29% | Beats 46% | 917 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.20% | 10.44% | 12.89% | 16.53% | Beats 53% | 783 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 13.20% | 10.44% | 12.89% | 16.53% | Beats 53% | 783 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 13.36% | 52.61% | 69.38% | 83.50% | 1st pctl | 1,672 / 1,683 | ||
| Loans / Assets | 11.58% | 44.71% | 59.18% | 70.72% | 1st pctl | 1,667 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||