Andalusia Mills Employees Credit As
Andalusia, AL · Charter 23990 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$3.2MAssets
$849KLoans
$2.5MShares
$659KNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 88% of credit unions under $1B in assets (rank 209 of 1683).
- Widest gap: efficiency ratio trails 66% of credit unions under $1B in assets (rank 1109 of 1682).
- Overall: at or above the peer median on 5 of 7 directional measures.
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 |