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Daleville, AL · Charter 17642 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 40 branches
Q2 2026
$3.7BAssets
$2.9BLoans
$3.3BShares
$377.5MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 97% of credit unions $1B-$10B in assets (rank 13 of 435).
- Widest gap: nonperforming loans / loans trails 94% of credit unions $1B-$10B in assets (rank 410 of 435).
- Overall: at or above the peer median on 4 of 7 directional measures.
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 |