The Bridgeway
Phenix City, AL · Charter 13852 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
$62.3MAssets
$45.2MLoans
$51.1MShares
$10.1MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 96% of credit unions under $1B in assets (rank 62 of 1683).
- Widest gap: return on equity trails 83% of credit unions under $1B in assets (rank 1387 of 1681).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.24%
Rank 1,358 of 1,683
Net Interest Margin
5.55%
Rank 62 of 1,683
Efficiency Ratio
85.50%
Rank 1,201 of 1,682
Equity / Assets
16.27%
Rank 441 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.24% | 0.35% | 0.74% | 1.18% | Beats 19% | 1,358 / 1,683 | | |
| Return on Equity | 1.46% | 2.67% | 5.89% | 8.74% | Beats 17% | 1,387 / 1,681 | | |
| Net Interest Margin | 5.55% | 3.31% | 3.82% | 4.32% | Beats 96% | 62 / 1,683 | | |
| Efficiency Ratio | 85.50% | 68.91% | 78.20% | 86.93% | Beats 29% | 1,201 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.01% | 0.26% | 0.65% | 1.29% | Beats 33% | 1,131 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 16.27% | 10.44% | 12.89% | 16.53% | Beats 74% | 441 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 16.27% | 10.44% | 12.89% | 16.53% | Beats 74% | 441 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 88.51% | 52.61% | 69.38% | 83.50% | 84th pctl | 271 / 1,683 | | |
| Loans / Assets | 72.61% | 44.71% | 59.18% | 70.72% | 79th pctl | 352 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |