PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Coosa Pines

Childersburg, AL · Charter 6774

NCUA · 5 branches

Q2 2026

$420.8MAssets
$257.8MLoans
$356.6MShares
$68.1MNet 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 1.77%, down 5 bps year over year; NIM at 3.95%.
  • Asset quality: problem loans at 0.87% of loans (+3 bps YoY).
  • Capital: net worth / assets of 16.20%, up 12 bps from a year ago.
  • Funding: loans stand at 72.28% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.77%-5 bps YoY

Net Interest Margin (YTD, annualized)

3.95%-8 bps YoY

Efficiency Ratio (YTD, annualized)

56.96%-53 bps YoY

Net Worth / Assets

16.20%+12 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.82%2.15%1.74%1.63%1.77%-5 bps
Return on Equity11.32%13.24%10.83%10.19%10.95%-37 bps
Net Interest Margin4.03%3.97%3.70%3.92%3.95%-8 bps
Efficiency Ratio57.49%53.79%57.96%59.13%56.96%-53 bps
Growth
Asset Growth (YoY)2.26%5.89%7.66%9.00%11.06%+880 bps
Loan Growth (YoY)5.18%6.86%7.23%6.74%9.28%+410 bps
Share Growth (YoY)0.15%4.15%5.66%7.80%10.57%+1,042 bps
Asset Quality
Delinquent Loans / Loans0.83%0.66%0.87%0.79%0.87%+3 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 Capital16.07%16.23%16.11%15.98%16.20%+12 bps
Net Worth / Assets16.07%16.23%16.11%15.98%16.20%+12 bps
Liquidity & Funding
Loans / Shares73.13%73.17%73.40%71.31%72.28%-86 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps