Allegacy Financial
Winston Salem, NC · Charter 24438 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 28 branches
Q2 2026
$2.6BAssets
$2.1BLoans
$2.2BShares
$296.4MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 74% of credit unions $1B-$10B in assets (rank 115 of 435).
- Widest gap: efficiency ratio trails 81% of credit unions $1B-$10B in assets (rank 353 of 435).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.10%
Rank 124 of 435
Net Interest Margin
3.45%
Rank 197 of 435
Efficiency Ratio
79.15%
Rank 353 of 435
Equity / Assets
11.44%
Rank 169 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.10% | 0.55% | 0.81% | 1.14% | Beats 71% | 124 / 435 | |
| Return on Equity | 9.58% | 5.12% | 7.41% | 9.70% | Beats 74% | 115 / 435 | |
| Net Interest Margin | 3.45% | 3.01% | 3.39% | 3.75% | Beats 55% | 197 / 435 | |
| Efficiency Ratio | 79.15% | 65.25% | 71.39% | 77.86% | Beats 19% | 353 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.65% | 0.45% | 0.69% | 1.05% | Beats 53% | 205 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.44% | 9.81% | 10.84% | 12.63% | Beats 61% | 169 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.44% | 9.81% | 10.84% | 12.63% | Beats 61% | 169 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 93.59% | 78.33% | 88.38% | 95.61% | 68th pctl | 138 / 435 | |
| Loans / Assets | 79.76% | 67.69% | 74.58% | 80.80% | 69th pctl | 137 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |