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Addition Financial

Lake Mary, FL · Charter 68702

NCUA · 26 branches

Q2 2026

$3.8BAssets
$2.1BLoans
$3.4BShares
$381.0MNet 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 0.70%, down 23 bps year over year; NIM at 3.53%.
  • Asset quality: problem loans at 1.40% of loans (+69 bps YoY).
  • Capital: net worth / assets of 10.01%, down 29 bps from a year ago.
  • Funding: loans stand at 62.27% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.70%-23 bps YoY

Net Interest Margin (quarter, annualized)

3.53%+61 bps YoY

Efficiency Ratio (quarter, annualized)

77.48%+1,024 bps YoY

Net Worth / Assets

10.01%-29 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.93%0.79%0.39%0.47%0.70%-23 bps
Return on Equity8.99%7.99%3.96%4.80%6.96%-203 bps
Net Interest Margin2.91%2.91%2.59%3.39%3.53%+61 bps
Efficiency Ratio67.23%68.59%72.68%81.72%77.48%+1,024 bps
Growth
Asset Growth (YoY)-0.25%11.57%39.18%34.42%29.92%+3,017 bps
Loan Growth (YoY)-12.75%-11.16%17.94%26.82%27.67%+4,041 bps
Share Growth (YoY)8.68%12.42%40.05%32.48%30.91%+2,223 bps
Asset Quality
Delinquent Loans / Loans0.71%0.74%1.16%1.10%1.40%+69 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 Capital10.30%9.92%9.72%9.82%10.01%-29 bps
Net Worth / Assets10.30%9.92%9.72%9.82%10.01%-29 bps
Liquidity & Funding
Loans / Shares63.85%61.94%64.38%63.09%62.27%-158 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps