Demopolis
Demopolis, AL · Charter 17311 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$3.3MAssets
$1.3MLoans
$1.5MShares
$1.8MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 100% of credit unions under $1B in assets (rank 4 of 1683).
- Widest gap: return on equity trails 51% of credit unions under $1B in assets (rank 856 of 1681).
- Overall: at or above the peer median on 6 of 7 directional measures.
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 | 8-Qtr Trend | 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 |