Solutions First
Enterprise, AL · Charter 16556 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$45.2MAssets
$18.3MLoans
$42.2MShares
$873KNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 18% of credit unions under $1B in assets (rank 1388 of 1683).
- Widest gap: equity / assets trails 100% of credit unions under $1B in assets (rank 1681 of 1683).
- Overall: at or above the peer median on 0 of 7 directional measures.
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 | 8-Qtr Trend | 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 |