Andalusia, AL · Charter 11950
NCUA · 1 branch
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
97
Asset Quality
2
Profitability
4
Liquidity
45
Efficiency
0
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.
Andalusia, AL · Charter 11950
NCUA · 1 branch
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 | 2.49% | 2.63% | 2.37% | -0.49% | -0.65% | -0.93% | -6.35% | -7.81% | -733 bps | |
| Return on Equity | 6.53% | 6.99% | 5.89% | -1.27% | -1.71% | -2.47% | -18.47% | -24.71% | -2,344 bps | |
| Net Interest Margin | 3.56% | 3.71% | 3.62% | 3.39% | 2.86% | 2.89% | 2.85% | 2.88% | -52 bps | |
| Efficiency Ratio | 33.77% | 33.92% | 37.81% | 37.82% | 43.97% | 76.08% | 160.73% | 244% | +20,650 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.10% | 6.64% | 1.52% | 0.21% | 1.76% | 5.20% | 1.79% | 4.26% | +405 bps | |
| Loan Growth (YoY) | -1.18% | -6.77% | -11.56% | -15.74% | -21.22% | -24.10% | -26.48% | -27.07% | -1,133 bps | |
| Share Growth (YoY) | 7.91% | 9.17% | -2.66% | -0.89% | 2.30% | 7.08% | 10.53% | 16.06% | +1,695 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.52% | 3.54% | 2.55% | 6.78% | 7.50% | 9.54% | 8.02% | 6.12% | -67 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% | 0.92% | 0.00% | 0.00% | 0.00% | 0.00% | -92 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 38.21% | 37.63% | 40.26% | 38.29% | 37.94% | 37.77% | 34.38% | 31.62% | -667 bps | |
| Net Worth / Assets | 38.21% | 37.63% | 40.26% | 38.29% | 37.94% | 37.77% | 34.38% | 31.62% | -667 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 96.25% | 94.43% | 90.89% | 83.49% | 74.12% | 66.93% | 60.46% | 52.46% | -3,103 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Andalusia, AL · Charter 11950 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
-7.81%
Rank 1,675 of 1,683
Net Interest Margin
2.88%
Rank 1,513 of 1,683
Efficiency Ratio
244%
Rank 1,675 of 1,682
Equity / Assets
31.62%
Rank 45 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -7.81% | 0.35% | 0.74% | 1.18% | Beats 0% | 1,675 / 1,683 | ||
| Return on Equity | -24.71% | 2.67% | 5.89% | 8.74% | Beats 1% | 1,659 / 1,681 | ||
| Net Interest Margin | 2.88% | 3.31% | 3.82% | 4.32% | Beats 10% | 1,513 / 1,683 | ||
| Efficiency Ratio | 244% | 68.91% | 78.20% | 86.93% | Beats 0% | 1,675 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 6.12% | 0.26% | 0.65% | 1.29% | Beats 2% | 1,648 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 31.62% | 10.44% | 12.89% | 16.53% | Beats 97% | 45 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 31.62% | 10.44% | 12.89% | 16.53% | Beats 97% | 45 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 52.46% | 52.61% | 69.38% | 83.50% | 25th pctl | 1,267 / 1,683 | ||
| Loans / Assets | 35.67% | 44.71% | 59.18% | 70.72% | 14th pctl | 1,454 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||