PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Jefferson Credit Union

Hoover, AL · Charter 63834

NCUA · 4 branches

Q2 2026

$91.4MAssets
$47.0MLoans
$80.9MShares
$9.4MNet 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 0.85%, up 7 bps year over year; NIM at 4.10%.
  • Asset quality: problem loans at 1.38% of loans (-78 bps YoY).
  • Capital: net worth / assets of 10.33%, up 152 bps from a year ago.
  • Funding: loans stand at 58.13% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.85%+7 bps YoY

Net Interest Margin (YTD, annualized)

4.10%+49 bps YoY

Efficiency Ratio (YTD, annualized)

80.22%-503 bps YoY

Net Worth / Assets

10.33%+152 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.77%0.41%0.29%0.73%0.85%+7 bps
Return on Equity8.78%4.26%2.95%7.26%8.20%-58 bps
Net Interest Margin3.61%3.89%3.92%4.06%4.10%+49 bps
Efficiency Ratio85.25%83.83%87.14%76.14%80.22%-503 bps
Growth
Asset Growth (YoY)21.20%10.68%11.29%6.95%-4.80%-2,600 bps
Loan Growth (YoY)22.54%21.37%17.16%7.81%-11.79%-3,433 bps
Share Growth (YoY)21.98%10.03%9.18%4.86%-7.18%-2,916 bps
Asset Quality
Delinquent Loans / Loans2.16%0.73%0.74%1.38%1.38%-78 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 Capital8.81%9.69%9.75%10.01%10.33%+152 bps
Net Worth / Assets8.81%9.69%9.75%10.01%10.33%+152 bps
Liquidity & Funding
Loans / Shares61.16%63.16%62.26%59.71%58.13%-304 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps