Mobile, AL · Charter 61286
NCUA · 4 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.25% | 1.27% | 1.24% | 1.36% | 1.51% | +26 bps | |
| Return on Equity | 10.14% | 10.06% | 9.68% | 10.61% | 11.40% | +126 bps | |
| Net Interest Margin | 2.94% | 3.02% | 2.99% | 3.09% | 3.20% | +25 bps | |
| Efficiency Ratio | 66.74% | 66.42% | 67.18% | 65.68% | 62.93% | -382 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.86% | 2.05% | 1.23% | 3.54% | 3.79% | +93 bps | |
| Loan Growth (YoY) | -7.96% | -8.58% | -10.90% | -10.92% | -11.93% | -396 bps | |
| Share Growth (YoY) | 1.97% | 0.77% | -0.01% | 2.49% | 2.55% | +58 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.30% | 12.64% | 12.77% | 12.82% | 13.20% | +90 bps | |
| Net Worth / Assets | 12.30% | 12.64% | 12.77% | 12.82% | 13.20% | +90 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |