PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Alive

Jacksonville, FL · Charter 67316

NCUA · 11 branches

Q2 2026

$295.5MAssets
$171.7MLoans
$261.4MShares
$34.7MNet 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 1.14%, up 33 bps year over year; NIM at 3.12%.
  • Asset quality: problem loans at 0.47% of loans (-24 bps YoY).
  • Capital: net worth / assets of 11.73%, up 33 bps from a year ago.
  • Funding: loans stand at 65.69% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.14%+33 bps YoY

Net Interest Margin (quarter, annualized)

3.12%-11 bps YoY

Efficiency Ratio (quarter, annualized)

69.69%-298 bps YoY

Net Worth / Assets

11.73%+33 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.81%0.79%0.76%0.88%1.14%+33 bps
Return on Equity7.14%6.77%6.56%7.74%9.74%+261 bps
Net Interest Margin3.23%3.26%3.22%3.10%3.12%-11 bps
Efficiency Ratio72.67%74.04%73.34%74.25%69.69%-298 bps
Growth
Asset Growth (YoY)-1.99%-1.65%1.05%2.26%5.39%+738 bps
Loan Growth (YoY)0.84%-1.15%1.01%1.06%3.61%+277 bps
Share Growth (YoY)-1.89%-2.28%0.12%1.69%4.98%+687 bps
Asset Quality
Delinquent Loans / Loans0.71%0.86%0.54%0.41%0.47%-24 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 Capital11.40%11.61%11.64%11.43%11.73%+33 bps
Net Worth / Assets11.40%11.61%11.64%11.43%11.73%+33 bps
Liquidity & Funding
Loans / Shares66.56%65.43%65.12%63.20%65.69%-87 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps