Enterprise, AL · Charter 16556
NCUA · 2 branches
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
0
Asset Quality
11
Profitability
6
Liquidity
15
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.
Enterprise, AL · Charter 16556
NCUA · 2 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.39% | 0.44% | 0.38% | 0.08% | -9.61% | -1,000 bps | |
| Return on Equity | 5.73% | 6.37% | 5.58% | 1.19% | -498% | -50,331 bps | |
| Net Interest Margin | 2.97% | 3.11% | 3.08% | 3.00% | 3.11% | +14 bps | |
| Efficiency Ratio | 80.15% | 83.85% | 84.94% | 87.78% | 302% | +22,143 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.76% | -3.52% | -3.20% | -0.32% | 1.10% | +386 bps | |
| Loan Growth (YoY) | -17.58% | -16.27% | -15.60% | -16.60% | -16.97% | +61 bps | |
| Share Growth (YoY) | -3.54% | -4.50% | -4.23% | -1.40% | 0.64% | +418 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.21% | 2.17% | 2.32% | 2.54% | 2.43% | +22 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.73% | 6.89% | 6.76% | 6.68% | 1.93% | -480 bps | |
| Net Worth / Assets | 6.73% | 6.89% | 6.76% | 6.68% | 1.93% | -480 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 52.58% | 51.50% | 48.66% | 45.23% | 43.38% | -920 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Enterprise, AL · Charter 16556 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
-9.61%
Rank 1,679 of 1,683
Net Interest Margin
3.11%
Rank 1,388 of 1,683
Efficiency Ratio
301%
Rank 1,680 of 1,682
Equity / Assets
1.93%
Rank 1,681 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -9.61% | 0.35% | 0.74% | 1.18% | Beats 0% | 1,679 / 1,683 | |
| Return on Equity | -497% | 2.67% | 5.89% | 8.74% | Beats 0% | 1,681 / 1,681 | |
| Net Interest Margin | 3.11% | 3.31% | 3.82% | 4.32% | Beats 18% | 1,388 / 1,683 | |
| Efficiency Ratio | 301% | 68.91% | 78.20% | 86.93% | Beats 0% | 1,680 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 2.43% | 0.26% | 0.65% | 1.29% | Beats 11% | 1,502 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 1.93% | 10.44% | 12.89% | 16.53% | Beats 0% | 1,681 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 1.93% | 10.44% | 12.89% | 16.53% | Beats 0% | 1,681 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 43.38% | 52.61% | 69.38% | 83.50% | 15th pctl | 1,438 / 1,683 | |
| Loans / Assets | 40.49% | 44.71% | 59.18% | 70.72% | 20th pctl | 1,351 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||