PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Abound

Radcliff, KY · Charter 7000

NCUA · 20 branches

Q2 2026

$2.8BAssets
$2.0BLoans
$2.3BShares
$437.4MNet 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 1.03%, down 5 bps year over year; NIM at 3.00%.
  • Asset quality: problem loans at 0.81% of loans (+11 bps YoY).
  • Capital: net worth / assets of 15.85%, down 24 bps from a year ago.
  • Funding: loans stand at 87.52% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.03%-5 bps YoY

Net Interest Margin (YTD, annualized)

3.00%+8 bps YoY

Efficiency Ratio (YTD, annualized)

57.30%+74 bps YoY

Net Worth / Assets

15.85%-24 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.08%1.26%0.82%0.82%1.03%-5 bps
Return on Equity6.73%7.79%5.10%5.22%6.50%-22 bps
Net Interest Margin2.92%2.94%2.94%2.98%3.00%+8 bps
Efficiency Ratio56.56%55.53%56.92%60.96%57.30%+74 bps
Growth
Asset Growth (YoY)9.04%9.42%9.21%9.25%9.44%+40 bps
Loan Growth (YoY)10.09%9.83%10.22%8.19%7.95%-215 bps
Share Growth (YoY)8.13%8.71%8.45%9.29%10.51%+238 bps
Asset Quality
Delinquent Loans / Loans0.70%0.63%0.65%0.54%0.81%+11 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 Capital16.09%16.19%16.14%15.79%15.85%-24 bps
Net Worth / Assets16.09%16.19%16.14%15.79%15.85%-24 bps
Liquidity & Funding
Loans / Shares89.61%89.50%89.83%87.08%87.52%-208 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps