Montgomery VA
Montgomery, AL · Charter 5345 · Peer group: credit unions under $1B in assets (n=1,674-1,677)
NCUA · 1 branch
Q1 2026
$6.0MAssets
$1.3MLoans
$5.3MShares
$734KNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 58% of credit unions under $1B in assets (rank 705 of 1676).
- Widest gap: efficiency ratio trails 97% of credit unions under $1B in assets (rank 1623 of 1674).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
-0.33%
Rank 1,514 of 1,677
Net Interest Margin
3.92%
Rank 705 of 1,676
Efficiency Ratio
120.00%
Rank 1,623 of 1,674
Equity / Assets
12.21%
Rank 927 of 1,676
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.33% | 0.29% | 0.71% | 1.15% | Beats 10% | 1,514 / 1,677 | |
| Return on Equity | -2.72% | 2.30% | 5.46% | 8.75% | Beats 9% | 1,520 / 1,674 | |
| Net Interest Margin | 3.92% | 3.27% | 3.78% | 4.29% | Beats 58% | 705 / 1,676 | |
| Efficiency Ratio | 120.00% | 69.04% | 78.86% | 87.73% | Beats 3% | 1,623 / 1,674 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.52% | 0.23% | 0.59% | 1.15% | Beats 55% | 760 / 1,675 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.20% | 10.32% | 12.68% | 16.26% | Beats 45% | 929 / 1,677 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.21% | 10.32% | 12.68% | 16.26% | Beats 45% | 927 / 1,676 | |
| Liquidity & Funding |
| Loans / Deposits | 25.28% | 52.64% | 68.65% | 82.42% | 3rd pctl | 1,623 / 1,676 | |
| Loans / Assets | 22.22% | 44.39% | 58.63% | 70.08% | 4th pctl | 1,614 / 1,676 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |