Mobile, AL · Charter 61339
NCUA · 3 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
90
Asset Quality
100
Profitability
31
Liquidity
0
Efficiency
56
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 61339
NCUA · 3 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 | 0.17% | 0.10% | -0.06% | 1.30% | 1.50% | 0.75% | 0.56% | 0.72% | -58 bps | |
| Return on Equity | 0.95% | 0.51% | -0.29% | 6.51% | 7.01% | 3.56% | 2.60% | 3.24% | -326 bps | |
| Net Interest Margin | 2.02% | 2.13% | 1.86% | 3.16% | 3.32% | 2.82% | 2.87% | 2.96% | -20 bps | |
| Efficiency Ratio | 91.65% | 95.47% | 103.04% | 58.95% | 54.96% | 74.19% | 80.71% | 75.89% | +1,695 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -16.05% | -20.04% | -19.34% | -13.52% | -13.18% | -7.08% | -7.35% | -7.88% | +564 bps | |
| Loan Growth (YoY) | 0.05% | -4.09% | -7.56% | -8.43% | -8.84% | 0.59% | 4.72% | 8.06% | +1,649 bps | |
| Share Growth (YoY) | -21.53% | -19.50% | -12.02% | -9.56% | -11.81% | -9.05% | -9.44% | -9.88% | -31 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.45% | 0.40% | 0.37% | 0.32% | 0.26% | 0.19% | 0.13% | 0.00% | -32 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 | 18.17% | 19.39% | 19.54% | 19.96% | 21.34% | 20.95% | 21.32% | 22.04% | +209 bps | |
| Net Worth / Assets | 18.17% | 19.39% | 19.54% | 19.96% | 21.34% | 20.95% | 21.32% | 22.04% | +209 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 26.65% | 27.03% | 25.38% | 25.49% | 27.55% | 29.90% | 29.35% | 30.57% | +507 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 61339 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
Return on Assets
0.72%
Rank 856 of 1,683
Net Interest Margin
2.97%
Rank 1,471 of 1,683
Efficiency Ratio
76.13%
Rank 736 of 1,682
Equity / Assets
22.04%
Rank 160 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.72% | 0.35% | 0.74% | 1.18% | Beats 49% | 856 / 1,683 | ||
| Return on Equity | 3.27% | 2.67% | 5.89% | 8.74% | Beats 30% | 1,176 / 1,681 | ||
| Net Interest Margin | 2.97% | 3.31% | 3.82% | 4.32% | Beats 13% | 1,471 / 1,683 | ||
| Efficiency Ratio | 76.13% | 68.91% | 78.20% | 86.93% | Beats 56% | 736 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.26% | 0.65% | 1.29% | Beats 100% | 132 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 22.04% | 10.44% | 12.89% | 16.53% | Beats 90% | 160 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 22.04% | 10.44% | 12.89% | 16.53% | Beats 90% | 160 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 30.57% | 52.61% | 69.38% | 83.50% | 5th pctl | 1,594 / 1,683 | ||
| Loans / Assets | 23.73% | 44.71% | 59.18% | 70.72% | 5th pctl | 1,603 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||