Mobile, AL · Charter 68224
NCUA · 5 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.98% | 1.04% | 0.97% | 1.04% | 1.01% | +2 bps | |
| Return on Equity | 6.42% | 6.80% | 6.32% | 6.80% | 6.61% | +18 bps | |
| Net Interest Margin | 4.39% | 4.38% | 4.39% | 4.16% | 4.13% | -26 bps | |
| Efficiency Ratio | 78.24% | 78.78% | 80.87% | 80.69% | 81.20% | +297 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.50% | 4.75% | 4.61% | 2.38% | 6.47% | +498 bps | |
| Loan Growth (YoY) | -12.36% | -11.50% | -14.57% | -13.53% | -11.53% | +84 bps | |
| Share Growth (YoY) | 1.61% | 5.03% | 4.81% | 1.88% | 6.34% | +473 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.86% | 1.27% | 1.20% | 3.40% | 1.57% | +71 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.32% | 15.33% | 15.38% | 15.32% | 15.21% | -10 bps | |
| Net Worth / Assets | 15.32% | 15.33% | 15.38% | 15.32% | 15.21% | -10 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 60.88% | 57.92% | 55.22% | 52.72% | 50.65% | -1,023 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |