Mobile, AL · Charter 7520
NCUA · 3 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
1
Asset Quality
9
Profitability
12
Liquidity
16
Efficiency
3
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Mobile, AL · Charter 7520
NCUA · 3 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.41% | -2.13% | -1.25% | -0.94% | -1.16% | -1.41% | -1.32% | -0.99% | -5 bps | |
| Return on Equity | -30.74% | -26.72% | -16.79% | -13.01% | -16.26% | -21.25% | -21.56% | -16.76% | -375 bps | |
| Net Interest Margin | 2.92% | 3.16% | 3.62% | 3.40% | 3.44% | 3.46% | 3.47% | 3.39% | -1 bps | |
| Efficiency Ratio | 124.70% | 121.00% | 110.82% | 109.49% | 109.91% | 112.74% | 121.16% | 113.73% | +424 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -24.01% | -16.61% | -13.14% | -5.26% | -7.31% | 0.23% | 0.17% | 0.01% | +527 bps | |
| Loan Growth (YoY) | -14.09% | -9.17% | -7.58% | -9.34% | -6.83% | -6.15% | -6.73% | -2.90% | +644 bps | |
| Share Growth (YoY) | -19.38% | -15.19% | -12.35% | -4.90% | -6.12% | 0.94% | 1.06% | 1.12% | +602 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.33% | 1.41% | 2.33% | 1.04% | 1.78% | 2.54% | 2.75% | 2.74% | +171 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.83% | 7.96% | 7.44% | 7.24% | 7.15% | 6.62% | 6.12% | 5.93% | -131 bps | |
| Net Worth / Assets | 7.83% | 7.96% | 7.44% | 7.24% | 7.15% | 6.62% | 6.12% | 5.93% | -131 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 46.86% | 50.60% | 48.29% | 45.54% | 46.51% | 47.05% | 44.57% | 43.74% | -181 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Mobile, AL · Charter 7520 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
Return on Assets
-0.99%
Rank 1,617 of 1,683
Net Interest Margin
3.40%
Rank 1,202 of 1,683
Efficiency Ratio
113.66%
Rank 1,625 of 1,682
Equity / Assets
5.93%
Rank 1,670 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.99% | 0.35% | 0.74% | 1.18% | Beats 4% | 1,617 / 1,683 | ||
| Return on Equity | -16.77% | 2.67% | 5.89% | 8.74% | Beats 2% | 1,647 / 1,681 | ||
| Net Interest Margin | 3.40% | 3.31% | 3.82% | 4.32% | Beats 29% | 1,202 / 1,683 | ||
| Efficiency Ratio | 113.66% | 68.91% | 78.20% | 86.93% | Beats 3% | 1,625 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.74% | 0.26% | 0.65% | 1.29% | Beats 9% | 1,531 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 5.93% | 10.44% | 12.89% | 16.53% | Beats 1% | 1,670 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 5.93% | 10.44% | 12.89% | 16.53% | Beats 1% | 1,670 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 43.74% | 52.61% | 69.38% | 83.50% | 15th pctl | 1,432 / 1,683 | ||
| Loans / Assets | 41.07% | 44.71% | 59.18% | 70.72% | 21st pctl | 1,335 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||