Demopolis, AL · Charter 17311
NCUA · 1 branch
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
100
Asset Quality
56
Profitability
81
Liquidity
24
Efficiency
86
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.
Demopolis, AL · Charter 17311
NCUA · 1 branch
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 | 7.43% | 6.52% | 6.15% | 4.38% | 3.20% | -423 bps | |
| Return on Equity | 23.49% | 19.87% | 18.04% | 8.05% | 5.83% | -1,766 bps | |
| Net Interest Margin | 5.10% | 5.42% | 5.51% | 5.37% | 5.35% | +25 bps | |
| Efficiency Ratio | 43.01% | 46.35% | 48.88% | 55.38% | 63.16% | +2,014 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 40.07% | 29.16% | 29.30% | 24.16% | 3.70% | -3,637 bps | |
| Loan Growth (YoY) | 24.51% | 21.47% | 4.87% | 0.89% | -1.47% | -2,598 bps | |
| Share Growth (YoY) | 21.88% | 5.80% | 3.86% | 3.44% | 7.48% | -1,440 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.22% | 0.52% | 1.06% | 0.73% | 0.54% | +32 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.48% | 0.43% | 0.41% | 0.43% | 0.38% | -10 bps | |
| Capital | |||||||
| Risk-Based Capital | 31.65% | 32.81% | 34.10% | 54.46% | 54.89% | +2,325 bps | |
| Net Worth / Assets | 31.65% | 32.81% | 34.10% | 54.46% | 54.89% | +2,325 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 94.45% | 95.83% | 101.06% | 91.14% | 86.59% | -786 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Demopolis, AL · Charter 17311 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
3.19%
Rank 11 of 1,683
Net Interest Margin
5.34%
Rank 91 of 1,683
Efficiency Ratio
63.12%
Rank 244 of 1,682
Equity / Assets
54.91%
Rank 4 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.19% | 0.35% | 0.74% | 1.18% | Beats 99% | 11 / 1,683 | |
| Return on Equity | 5.81% | 2.67% | 5.89% | 8.74% | Beats 49% | 856 / 1,681 | |
| Net Interest Margin | 5.34% | 3.31% | 3.82% | 4.32% | Beats 95% | 91 / 1,683 | |
| Efficiency Ratio | 63.12% | 68.91% | 78.20% | 86.93% | Beats 86% | 244 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.55% | 0.26% | 0.65% | 1.29% | Beats 56% | 734 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 54.91% | 10.44% | 12.89% | 16.53% | Beats 100% | 4 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 54.91% | 10.44% | 12.89% | 16.53% | Beats 100% | 4 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 86.56% | 52.61% | 69.38% | 83.50% | 80th pctl | 333 / 1,683 | |
| Loans / Assets | 39.33% | 44.71% | 59.18% | 70.72% | 18th pctl | 1,383 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||