Mobile, AL · Charter 7520
NCUA · 3 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |