Electrical Workers No 558
Sheffield, AL · Charter 12478 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$45.9MAssets
$23.7MLoans
$36.3MShares
$9.4MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of credit unions under $1B in assets (rank 132 of 1682).
- Widest gap: net interest margin trails 55% of credit unions under $1B in assets (rank 931 of 1683).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.93%
Rank 88 of 1,683
Net Interest Margin
3.71%
Rank 931 of 1,683
Efficiency Ratio
46.55%
Rank 48 of 1,682
Equity / Assets
20.52%
Rank 207 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.93% | 0.35% | 0.74% | 1.18% | Beats 95% | 88 / 1,683 | |
| Return on Equity | 9.39% | 2.67% | 5.89% | 8.74% | Beats 80% | 342 / 1,681 | |
| Net Interest Margin | 3.71% | 3.31% | 3.82% | 4.32% | Beats 45% | 931 / 1,683 | |
| Efficiency Ratio | 46.55% | 68.91% | 78.20% | 86.93% | Beats 97% | 48 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.26% | 0.65% | 1.29% | Beats 100% | 132 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 20.52% | 10.44% | 12.89% | 16.53% | Beats 88% | 207 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 20.52% | 10.44% | 12.89% | 16.53% | Beats 88% | 207 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 65.36% | 52.61% | 69.38% | 83.50% | 42nd pctl | 968 / 1,683 | |
| Loans / Assets | 51.64% | 44.71% | 59.18% | 70.72% | 37th pctl | 1,062 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |