Andalusia, AL · Charter 23990
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
88
Asset Quality
69
Profitability
48
Liquidity
0
Efficiency
34
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.
Andalusia, AL · Charter 23990
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 | 0.55% | 0.79% | 0.72% | 0.86% | 0.80% | +25 bps | |
| Return on Equity | 2.70% | 3.92% | 3.35% | 4.17% | 3.93% | +123 bps | |
| Net Interest Margin | 4.01% | 3.92% | 3.85% | 3.83% | 3.88% | -13 bps | |
| Efficiency Ratio | 89.94% | 87.98% | 88.45% | 84.83% | 83.88% | -606 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.95% | 3.11% | 10.88% | 7.81% | 3.49% | +154 bps | |
| Loan Growth (YoY) | -4.39% | -12.77% | -5.98% | 0.09% | -9.03% | -463 bps | |
| Share Growth (YoY) | 1.66% | 2.98% | 13.11% | 9.05% | 3.48% | +182 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.41% | 1.15% | 0.20% | 0.45% | 0.35% | -6 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.65% | 0.46% | 0.46% | 0.47% | 0.47% | -18 bps | |
| Capital | |||||||
| Risk-Based Capital | 20.49% | 20.04% | 21.36% | 20.65% | 20.50% | +1 bps | |
| Net Worth / Assets | 20.49% | 20.04% | 21.36% | 20.65% | 20.50% | +1 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 37.97% | 32.93% | 38.47% | 35.27% | 33.38% | -459 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Andalusia, AL · Charter 23990 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.81%
Rank 775 of 1,683
Net Interest Margin
3.92%
Rank 746 of 1,683
Efficiency Ratio
83.33%
Rank 1,109 of 1,682
Equity / Assets
20.49%
Rank 209 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.81% | 0.35% | 0.74% | 1.18% | Beats 54% | 775 / 1,683 | |
| Return on Equity | 3.95% | 2.67% | 5.89% | 8.74% | Beats 35% | 1,101 / 1,681 | |
| Net Interest Margin | 3.92% | 3.31% | 3.82% | 4.32% | Beats 56% | 746 / 1,683 | |
| Efficiency Ratio | 83.33% | 68.91% | 78.20% | 86.93% | Beats 34% | 1,109 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.35% | 0.26% | 0.65% | 1.29% | Beats 69% | 524 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 20.49% | 10.44% | 12.89% | 16.53% | Beats 88% | 209 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 20.49% | 10.44% | 12.89% | 16.53% | Beats 88% | 209 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 33.39% | 52.61% | 69.38% | 83.50% | 7th pctl | 1,571 / 1,683 | |
| Loans / Assets | 26.40% | 44.71% | 59.18% | 70.72% | 6th pctl | 1,585 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||