PackageTrendsPeer
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Opp-Micolas

Opp, AL · Charter 62486

NCUA · 1 branch

Q2 2026

$10.4MAssets
$2.5MLoans
$7.8MShares
$2.6MNet 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 -0.58%, up 41 bps year over year; NIM at 3.69%.
  • Asset quality: problem loans at 1.46% of loans (-275 bps YoY).
  • Capital: net worth / assets of 25.17%, up 53 bps from a year ago.
  • Funding: loans stand at 31.92% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

-0.58%+41 bps YoY

Net Interest Margin (quarter, annualized)

3.69%-30 bps YoY

Efficiency Ratio (quarter, annualized)

115.12%-886 bps YoY

Net Worth / Assets

25.17%+53 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-1.00%-0.64%-0.51%-1.19%-0.58%+41 bps
Return on Equity-4.04%-2.56%-1.98%-4.70%-2.31%+173 bps
Net Interest Margin3.99%4.07%4.11%3.84%3.69%-30 bps
Efficiency Ratio123.99%115.21%111.91%129.67%115.12%-886 bps
Growth
Asset Growth (YoY)-4.80%-4.04%-4.81%-2.94%-3.20%+160 bps
Loan Growth (YoY)-3.71%-11.16%-11.02%-4.25%-2.38%+132 bps
Share Growth (YoY)-5.70%-4.48%-5.70%-3.31%-3.86%+184 bps
Asset Quality
Delinquent Loans / Loans4.21%4.38%0.16%3.81%1.46%-275 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 Capital24.64%25.15%25.67%25.21%25.17%+53 bps
Net Worth / Assets24.64%25.15%25.67%25.21%25.17%+53 bps
Liquidity & Funding
Loans / Shares31.43%29.42%31.56%32.14%31.92%+48 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps