PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Alliance Catholic

Farmington Hill, MI · Charter 61759

NCUA · 13 branches

Q2 2026

$718.5MAssets
$484.0MLoans
$626.4MShares
$89.0MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.99%, up 85 bps year over year; NIM at 3.62%.
  • Asset quality: problem loans at 0.36% of loans (+4 bps YoY).
  • Capital: net worth / assets of 12.39%, down 37 bps from a year ago.
  • Funding: loans stand at 77.26% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.99%+85 bps YoY

Net Interest Margin (quarter, annualized)

3.62%+29 bps YoY

Efficiency Ratio (quarter, annualized)

78.97%-1,164 bps YoY

Net Worth / Assets

12.39%-37 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.15%0.21%0.37%1.66%0.99%+85 bps
Return on Equity1.14%1.69%2.98%13.26%8.01%+687 bps
Net Interest Margin3.33%3.49%3.46%3.55%3.62%+29 bps
Efficiency Ratio90.61%88.82%85.92%70.87%78.97%-1,164 bps
Growth
Asset Growth (YoY)3.23%4.33%7.18%11.30%11.49%+826 bps
Loan Growth (YoY)20.83%24.07%27.54%31.53%29.69%+886 bps
Share Growth (YoY)0.63%3.95%6.16%9.95%10.47%+984 bps
Asset Quality
Delinquent Loans / Loans0.32%0.28%0.36%0.31%0.36%+4 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital12.76%12.63%12.51%12.49%12.39%-37 bps
Net Worth / Assets12.76%12.63%12.51%12.49%12.39%-37 bps
Liquidity & Funding
Loans / Shares65.81%69.87%71.37%71.89%77.26%+1,145 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps