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 | |