Mobile, AL · Charter 62471
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.27% | 1.12% | 0.85% | 0.27% | 0.53% | -74 bps | |
| Return on Equity | 9.84% | 8.60% | 6.73% | 2.08% | 4.05% | -580 bps | |
| Net Interest Margin | 4.19% | 4.23% | 4.09% | 4.09% | 4.16% | -3 bps | |
| Efficiency Ratio | 73.28% | 74.90% | 70.65% | 80.98% | 72.81% | -47 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.27% | 0.63% | 4.36% | 3.25% | 0.94% | +120 bps | |
| Loan Growth (YoY) | -8.40% | -6.89% | -3.17% | -9.64% | -10.35% | -195 bps | |
| Share Growth (YoY) | -1.22% | -0.80% | 3.39% | 2.77% | 0.82% | +205 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.64% | 4.48% | 2.51% | 2.47% | 2.87% | +122 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.90% | 13.04% | 12.69% | 12.79% | 13.19% | +29 bps | |
| Net Worth / Assets | 12.90% | 13.04% | 12.69% | 12.79% | 13.19% | +29 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 67.57% | 67.26% | 64.77% | 60.97% | 60.08% | -749 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |