PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Container Mutual

Fernandina Beac, FL · Charter 67933

NCUA · 2 branches

Q2 2026

$5.5MAssets
$1.8MLoans
$2.9MShares
$2.7MNet Worth

Executive Summary

  • Earnings: ROA of 0.57%, up 19 bps year over year; NIM at 3.33%.
  • Asset quality: problem loans at 0.41% of loans (+41 bps YoY).
  • Capital: net worth / assets of 47.99%, up 338 bps from a year ago.
  • Funding: loans stand at 62.05% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

0.57%+19 bps YoY

Net Interest Margin (quarter, annualized)

3.33%+34 bps YoY

Efficiency Ratio (quarter, annualized)

83.34%-446 bps YoY

Net Worth / Assets

47.99%+338 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.42%0.44%0.20%0.38%0.32%0.55%0.47%0.57%+19 bps
Return on Equity0.99%1.01%0.46%0.86%0.71%1.20%1.03%1.19%+34 bps
Net Interest Margin2.81%2.92%2.84%2.98%3.08%3.25%3.10%3.33%+34 bps
Efficiency Ratio100.25%96.36%93.11%87.79%90.20%83.86%85.37%83.34%-446 bps
Growth
Asset Growth (YoY)-8.99%-9.11%-5.46%-6.14%-4.77%-4.69%-1.36%-6.49%-35 bps
Loan Growth (YoY)-5.82%0.42%2.46%2.87%6.85%-0.82%-6.98%-15.22%-1,809 bps
Share Growth (YoY)-14.89%-15.62%-10.15%-11.30%-8.65%-8.99%-3.29%-12.66%-135 bps
Asset Quality
Delinquent Loans / Loans0.20%0.00%0.00%0.00%0.00%0.00%0.00%0.41%+41 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital42.69%43.52%44.57%44.61%44.82%45.85%45.44%47.99%+338 bps
Net Worth / Assets42.69%43.52%44.57%44.61%44.82%45.85%45.44%47.99%+338 bps
Liquidity & Funding
Loans / Shares56.99%59.88%62.32%63.92%66.66%65.25%59.95%62.05%-187 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps