Daleville, AL · Charter 17642
NCUA · 40 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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
32
Asset Quality
6
Profitability
84
Liquidity
98
Efficiency
97
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.
Daleville, AL · Charter 17642
NCUA · 40 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 | 0.92% | 1.02% | 1.00% | 1.08% | 1.16% | +24 bps | |
| Return on Equity | 9.63% | 10.57% | 10.23% | 10.96% | 11.44% | +181 bps | |
| Net Interest Margin | 3.59% | 3.70% | 3.74% | 3.96% | 4.05% | +46 bps | |
| Efficiency Ratio | 54.89% | 53.17% | 52.91% | 53.37% | 51.96% | -292 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.94% | 8.27% | 8.88% | 6.57% | 4.54% | -440 bps | |
| Loan Growth (YoY) | 7.54% | 11.20% | 10.88% | 10.76% | 6.77% | -77 bps | |
| Share Growth (YoY) | 9.27% | 10.78% | 10.56% | 7.38% | 4.96% | -430 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.24% | 1.45% | 1.87% | 1.71% | 1.76% | +52 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 | 9.54% | 9.66% | 9.75% | 9.85% | 10.11% | +56 bps | |
| Net Worth / Assets | 9.54% | 9.66% | 9.75% | 9.85% | 10.11% | +56 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 86.53% | 87.09% | 87.12% | 87.13% | 88.02% | +149 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Daleville, AL · Charter 17642 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 40 branches
Q2 2026
Return on Assets
1.16%
Rank 101 of 435
Net Interest Margin
4.05%
Rank 46 of 435
Efficiency Ratio
51.96%
Rank 13 of 435
Equity / Assets
10.11%
Rank 296 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.16% | 0.55% | 0.81% | 1.14% | Beats 77% | 101 / 435 | |
| Return on Equity | 11.44% | 5.12% | 7.41% | 9.70% | Beats 87% | 58 / 435 | |
| Net Interest Margin | 4.05% | 3.01% | 3.39% | 3.75% | Beats 89% | 46 / 435 | |
| Efficiency Ratio | 51.96% | 65.25% | 71.39% | 77.86% | Beats 97% | 13 / 435 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.76% | 0.45% | 0.69% | 1.05% | Beats 6% | 410 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 10.11% | 9.81% | 10.84% | 12.63% | Beats 32% | 296 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 10.11% | 9.81% | 10.84% | 12.63% | Beats 32% | 296 / 435 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 88.02% | 78.33% | 88.38% | 95.61% | 49th pctl | 221 / 435 | |
| Loans / Assets | 76.93% | 67.69% | 74.58% | 80.80% | 58th pctl | 181 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||