Chattahoochee
Valley, AL · Charter 24221 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$23.4MAssets
$15.6MLoans
$20.2MShares
$3.5MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 86% of credit unions under $1B in assets (rank 228 of 1683).
- Widest gap: nonperforming loans / loans trails 41% of credit unions under $1B in assets (rank 697 of 1682).
- Overall: at or above the peer median on 7 of 7 directional measures.
Return on Assets
1.33%
Rank 328 of 1,683
Net Interest Margin
4.75%
Rank 228 of 1,683
Efficiency Ratio
72.87%
Rank 581 of 1,682
Equity / Assets
15.01%
Rank 551 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.33% | 0.35% | 0.74% | 1.18% | Beats 81% | 328 / 1,683 | |
| Return on Equity | 8.88% | 2.67% | 5.89% | 8.74% | Beats 76% | 407 / 1,681 | |
| Net Interest Margin | 4.75% | 3.31% | 3.82% | 4.32% | Beats 86% | 228 / 1,683 | |
| Efficiency Ratio | 72.87% | 68.91% | 78.20% | 86.93% | Beats 66% | 581 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.51% | 0.26% | 0.65% | 1.29% | Beats 59% | 697 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 15.01% | 10.44% | 12.89% | 16.53% | Beats 67% | 551 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 15.01% | 10.44% | 12.89% | 16.53% | Beats 67% | 551 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 77.21% | 52.61% | 69.38% | 83.50% | 64th pctl | 599 / 1,683 | |
| Loans / Assets | 66.60% | 44.71% | 59.18% | 70.72% | 66th pctl | 580 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |