Palace City
Mitchell, SD · Charter 13103 · Peer group: credit unions under $1B in assets in the Birmingham, AL area (n=29)
NCUA · 1 branch
Q2 2026
$16.5MAssets
$6.5MLoans
$14.7MShares
$1.6MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 97% of credit unions under $1B in assets in the Birmingham, AL area (rank 2 of 29).
- Widest gap: equity / assets trails 79% of credit unions under $1B in assets in the Birmingham, AL area (rank 23 of 29).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.44%
Rank 19 of 29
Net Interest Margin
3.50%
Rank 17 of 29
Efficiency Ratio
89.80%
Rank 23 of 29
Equity / Assets
9.92%
Rank 23 of 29
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.44% | 0.26% | 0.65% | 1.06% | Beats 34% | 19 / 29 | |
| Return on Equity | 4.40% | 2.33% | 4.15% | 7.02% | Beats 52% | 14 / 29 | |
| Net Interest Margin | 3.50% | 3.29% | 3.80% | 4.67% | Beats 41% | 17 / 29 | |
| Efficiency Ratio | 89.80% | 67.71% | 81.00% | 89.29% | Beats 24% | 23 / 29 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.02% | 0.40% | 1.03% | 1.72% | Beats 97% | 2 / 29 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.92% | 10.13% | 13.97% | 19.12% | Beats 21% | 23 / 29 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.92% | 10.13% | 13.97% | 19.12% | Beats 21% | 23 / 29 | |
| Liquidity & Funding |
| Loans / Deposits | 44.31% | 40.72% | 55.53% | 68.24% | 31st pctl | 20 / 29 | |
| Loans / Assets | 39.54% | 35.46% | 45.52% | 58.70% | 34th pctl | 19 / 29 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |