PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Fort McClellan

Anniston, AL · Charter 61800

NCUA · 6 branches

Q2 2026

$224.1MAssets
$98.3MLoans
$201.7MShares
$28.5MNet 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 0.18%, up 45 bps year over year; NIM at 3.18%.
  • Asset quality: problem loans at 1.17% of loans (+41 bps YoY).
  • Capital: net worth / assets of 12.73%, down 10 bps from a year ago.
  • Funding: loans stand at 48.75% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.18%+45 bps YoY

Net Interest Margin (quarter, annualized)

3.18%+49 bps YoY

Efficiency Ratio (quarter, annualized)

86.30%-1,266 bps YoY

Net Worth / Assets

12.73%-10 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.27%-0.25%-0.30%0.30%0.18%+45 bps
Return on Equity-2.10%-1.94%-2.33%2.38%1.41%+351 bps
Net Interest Margin2.69%2.81%2.87%3.13%3.18%+49 bps
Efficiency Ratio98.96%98.55%99.76%81.22%86.30%-1,266 bps
Growth
Asset Growth (YoY)-3.06%-4.31%1.32%0.12%0.02%+308 bps
Loan Growth (YoY)-5.53%-4.19%-1.24%0.49%2.51%+804 bps
Share Growth (YoY)2.44%-0.58%0.12%-1.29%-0.86%-330 bps
Asset Quality
Delinquent Loans / Loans0.76%0.78%0.98%1.09%1.17%+41 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 Capital12.83%12.93%12.76%12.68%12.73%-10 bps
Net Worth / Assets12.83%12.93%12.76%12.68%12.73%-10 bps
Liquidity & Funding
Loans / Shares47.15%47.93%47.59%47.37%48.75%+160 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps