Alcoa Municipal Employees
Alcoa, TN · Charter 20513 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$4.5MAssets
$3.2MLoans
$3.7MShares
$857KNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of credit unions under $1B in assets (rank 132 of 1682).
- Widest gap: return on equity trails 21% of credit unions under $1B in assets (rank 349 of 1681).
- Overall: at or above the peer median on 7 of 7 directional measures.
Return on Assets
1.77%
Rank 140 of 1,683
Net Interest Margin
4.94%
Rank 154 of 1,683
Efficiency Ratio
49.12%
Rank 57 of 1,682
Equity / Assets
18.91%
Rank 277 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.77% | 0.35% | 0.74% | 1.18% | Beats 92% | 140 / 1,683 | |
| Return on Equity | 9.33% | 2.67% | 5.89% | 8.74% | Beats 79% | 349 / 1,681 | |
| Net Interest Margin | 4.94% | 3.31% | 3.82% | 4.32% | Beats 91% | 154 / 1,683 | |
| Efficiency Ratio | 49.12% | 68.91% | 78.20% | 86.93% | Beats 97% | 57 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.26% | 0.65% | 1.29% | Beats 100% | 132 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 18.91% | 10.44% | 12.89% | 16.53% | Beats 84% | 277 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 18.91% | 10.44% | 12.89% | 16.53% | Beats 84% | 277 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 86.30% | 52.61% | 69.38% | 83.50% | 80th pctl | 336 / 1,683 | |
| Loans / Assets | 69.79% | 44.71% | 59.18% | 70.72% | 73rd pctl | 451 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |