PackageTrendsPeer
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Auburn University

Auburn, AL · Charter 68701

NCUA · 3 branches

Q2 2026

$267.9MAssets
$160.1MLoans
$241.5MShares
$26.2MNet 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 0.59%, up 8 bps year over year; NIM at 3.05%.
  • Asset quality: problem loans at 0.59% of loans (-12 bps YoY).
  • Capital: net worth / assets of 9.77%, down 12 bps from a year ago.
  • Funding: loans stand at 66.31% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.59%+8 bps YoY

Net Interest Margin (quarter, annualized)

3.05%+14 bps YoY

Efficiency Ratio (quarter, annualized)

78.73%-277 bps YoY

Net Worth / Assets

9.77%-12 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.51%0.46%0.44%0.55%0.59%+8 bps
Return on Equity5.17%4.73%4.50%5.72%6.03%+86 bps
Net Interest Margin2.92%2.90%2.91%2.93%3.05%+14 bps
Efficiency Ratio81.50%81.90%81.72%79.80%78.73%-277 bps
Growth
Asset Growth (YoY)3.17%7.55%8.02%6.95%5.83%+267 bps
Loan Growth (YoY)11.15%10.39%13.98%19.26%23.28%+1,214 bps
Share Growth (YoY)1.82%6.44%6.63%6.02%4.50%+268 bps
Asset Quality
Delinquent Loans / Loans0.71%0.82%0.98%0.59%0.59%-12 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 Capital9.89%9.74%9.69%9.57%9.77%-12 bps
Net Worth / Assets9.89%9.74%9.69%9.57%9.77%-12 bps
Liquidity & Funding
Loans / Shares56.21%57.66%59.67%61.48%66.31%+1,010 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps