PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

L&N Employees

Birmingham, AL · Charter 62356

NCUA · 1 branch

Q2 2026

$8.3MAssets
$4.3MLoans
$7.0MShares
$1.5MNet 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 -2.04%, down 9 bps year over year; NIM at 4.69%.
  • Asset quality: problem loans at 5.29% of loans (+477 bps YoY).
  • Capital: net worth / assets of 18.19%, down 146 bps from a year ago.
  • Funding: loans stand at 62.09% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-2.04%-9 bps YoY

Net Interest Margin (YTD, annualized)

4.69%-21 bps YoY

Efficiency Ratio (YTD, annualized)

133.35%-32 bps YoY

Net Worth / Assets

18.19%-146 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-1.95%-1.84%-2.03%-2.43%-2.04%-9 bps
Return on Equity-9.93%-9.25%-10.23%-12.69%-11.20%-127 bps
Net Interest Margin4.90%5.08%5.16%4.72%4.69%-21 bps
Efficiency Ratio133.67%130.12%132.09%139.34%133.35%-32 bps
Growth
Asset Growth (YoY)-1.78%-1.41%-2.41%-5.42%-2.60%-82 bps
Loan Growth (YoY)-8.74%-11.80%-9.73%-12.91%-9.84%-110 bps
Share Growth (YoY)0.70%-1.25%-0.57%-3.46%-0.62%-132 bps
Asset Quality
Delinquent Loans / Loans0.51%0.58%3.97%2.61%5.29%+477 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.50%0.54%0.55%0.59%0.58%+8 bps
Capital
Risk-Based Capital19.64%19.89%19.84%19.16%18.19%-146 bps
Net Worth / Assets19.64%19.89%19.84%19.16%18.19%-146 bps
Liquidity & Funding
Loans / Shares68.44%66.62%66.29%62.38%62.09%-635 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps