PackageTrendsPeer
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Naheola

Pennington, AL · Charter 62661

NCUA · 4 branches

Q2 2026

$219.6MAssets
$156.6MLoans
$178.7MShares
$39.5MNet 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 1.66%, down 8 bps year over year; NIM at 3.89%.
  • Asset quality: problem loans at 1.97% of loans (+76 bps YoY).
  • Capital: net worth / assets of 18.00%, up 60 bps from a year ago.
  • Funding: loans stand at 87.64% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.66%-8 bps YoY

Net Interest Margin (quarter, annualized)

3.89%+28 bps YoY

Efficiency Ratio (quarter, annualized)

57.75%+437 bps YoY

Net Worth / Assets

18.00%+60 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.73%1.65%1.61%1.48%1.66%-8 bps
Return on Equity9.95%9.59%9.10%8.41%9.20%-75 bps
Net Interest Margin3.61%3.62%3.74%3.81%3.89%+28 bps
Efficiency Ratio53.39%55.28%57.45%60.34%57.75%+437 bps
Growth
Asset Growth (YoY)6.63%8.59%8.41%8.11%5.94%-69 bps
Loan Growth (YoY)3.43%4.24%4.86%4.79%1.82%-161 bps
Share Growth (YoY)9.29%8.59%7.96%7.78%5.09%-420 bps
Asset Quality
Delinquent Loans / Loans1.21%0.99%1.07%1.64%1.97%+76 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 Capital17.40%17.21%17.66%17.61%18.00%+60 bps
Net Worth / Assets17.40%17.21%17.66%17.61%18.00%+60 bps
Liquidity & Funding
Loans / Shares90.45%87.81%89.90%87.79%87.64%-281 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps