PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Mac

Fairbanks, AK · Charter 8080

NCUA · 5 branches

Q1 2026

$175.9MAssets
$138.3MLoans
$157.9MShares
$20.0MNet 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 0.96%, up 24 bps year over year; NIM at 5.43%.
  • Asset quality: problem loans at 1.13% of loans (+26 bps YoY).
  • Capital: net worth / assets of 11.40%, up 74 bps from a year ago.
  • Funding: loans stand at 87.60% of shares as of Q1 2026.

Financial Results

Return on Assets (YTD, annualized)

0.96%+24 bps YoY

Net Interest Margin (YTD, annualized)

5.43%+42 bps YoY

Efficiency Ratio (YTD, annualized)

69.81%+162 bps YoY

Net Worth / Assets

11.40%+74 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2025Q2 2025Q3 2025Q4 2025Q1 2026YoY ΔTrend
Earnings
Return on Assets0.71%-0.34%-0.57%-0.31%0.96%+24 bps
Return on Equity6.70%-3.02%-5.02%-2.73%8.41%+171 bps
Net Interest Margin5.01%5.58%5.77%5.79%5.43%+42 bps
Efficiency Ratio68.18%83.96%85.01%83.14%69.81%+162 bps
Growth
Asset Growth (YoY)-0.51%-9.50%-7.00%-13.79%-10.19%-968 bps
Loan Growth (YoY)-9.95%-7.73%-0.34%-1.23%-4.80%+514 bps
Share Growth (YoY)7.10%-7.92%-10.99%-15.51%-10.39%-1,748 bps
Asset Quality
Delinquent Loans / Loans0.86%0.91%1.27%1.51%1.13%+26 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 Capital10.65%11.27%11.32%11.30%11.40%+74 bps
Net Worth / Assets10.65%11.27%11.32%11.30%11.40%+74 bps
Liquidity & Funding
Loans / Shares82.46%95.88%98.44%94.94%87.60%+514 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps