Mobile, AL · Charter 64644
NCUA · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
69
Asset Quality
100
Profitability
42
Liquidity
15
Efficiency
37
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Mobile, AL · Charter 64644
NCUA · 1 branch
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.29% | 1.17% | 0.62% | 0.94% | 0.99% | 0.87% | 0.48% | 0.70% | -24 bps | |
| Return on Equity | 8.50% | 7.69% | 4.13% | 5.98% | 6.07% | 5.51% | 3.18% | 4.55% | -144 bps | |
| Net Interest Margin | 4.04% | 4.05% | 3.68% | 4.12% | 4.20% | 4.01% | 3.29% | 3.60% | -52 bps | |
| Efficiency Ratio | 71.39% | 74.16% | 84.95% | 79.66% | 78.85% | 80.67% | 87.36% | 82.60% | +294 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.92% | 2.72% | 0.15% | -1.45% | -1.43% | 2.67% | 5.87% | 7.40% | +885 bps | |
| Loan Growth (YoY) | -14.48% | -14.17% | -9.39% | -10.57% | -10.56% | -9.22% | -7.40% | -5.11% | +546 bps | |
| Share Growth (YoY) | 1.17% | 2.04% | -0.85% | -2.60% | -2.51% | 2.62% | 6.58% | 8.60% | +1,120 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.03% | 0.00% | 0.03% | 0.45% | 0.00% | 0.00% | 0.00% | -3 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.20% | 15.25% | 15.10% | 15.70% | 16.39% | 15.71% | 15.05% | 15.36% | -34 bps | |
| Net Worth / Assets | 15.20% | 15.25% | 15.10% | 15.70% | 16.39% | 15.71% | 15.05% | 15.36% | -34 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 53.69% | 51.79% | 50.37% | 49.38% | 49.26% | 45.82% | 43.76% | 43.15% | -623 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Mobile, AL · Charter 64644 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.69%
Rank 892 of 1,683
Net Interest Margin
3.60%
Rank 1,037 of 1,683
Efficiency Ratio
82.71%
Rank 1,068 of 1,682
Equity / Assets
15.36%
Rank 514 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.69% | 0.35% | 0.74% | 1.18% | Beats 47% | 892 / 1,683 | ||
| Return on Equity | 4.52% | 2.67% | 5.89% | 8.74% | Beats 40% | 1,016 / 1,681 | ||
| Net Interest Margin | 3.60% | 3.31% | 3.82% | 4.32% | Beats 38% | 1,037 / 1,683 | ||
| Efficiency Ratio | 82.71% | 68.91% | 78.20% | 86.93% | Beats 37% | 1,068 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.26% | 0.65% | 1.29% | Beats 100% | 132 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.36% | 10.44% | 12.89% | 16.53% | Beats 69% | 514 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 15.36% | 10.44% | 12.89% | 16.53% | Beats 69% | 514 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 43.15% | 52.61% | 69.38% | 83.50% | 14th pctl | 1,444 / 1,683 | ||
| Loans / Assets | 35.50% | 44.71% | 59.18% | 70.72% | 13th pctl | 1,456 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||