Healthplus
Jackson, MS · Charter 5930 · Peer group: credit unions under $1B in assets in the Birmingham, AL area (n=29)
NCUA · 2 branches
Q2 2026
$10.5MAssets
$6.6MLoans
$9.6MShares
$876KNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 83% of credit unions under $1B in assets in the Birmingham, AL area (rank 5 of 29).
- Widest gap: equity / assets trails 97% of credit unions under $1B in assets in the Birmingham, AL area (rank 28 of 29).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
-0.70%
Rank 27 of 29
Net Interest Margin
4.79%
Rank 5 of 29
Efficiency Ratio
101.41%
Rank 27 of 29
Equity / Assets
8.32%
Rank 28 of 29
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.70% | 0.26% | 0.65% | 1.06% | Beats 7% | 27 / 29 | |
| Return on Equity | -8.45% | 2.33% | 4.15% | 7.02% | Beats 7% | 27 / 29 | |
| Net Interest Margin | 4.79% | 3.29% | 3.80% | 4.67% | Beats 83% | 5 / 29 | |
| Efficiency Ratio | 101.41% | 67.71% | 81.00% | 89.29% | Beats 10% | 27 / 29 | |
| Asset Quality |
| Nonperforming Loans / Loans | 8.53% | 0.40% | 1.03% | 1.72% | Beats 10% | 27 / 29 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 8.32% | 10.13% | 13.97% | 19.12% | Beats 3% | 28 / 29 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 8.32% | 10.13% | 13.97% | 19.12% | Beats 3% | 28 / 29 | |
| Liquidity & Funding |
| Loans / Deposits | 68.76% | 40.72% | 55.53% | 68.24% | 76th pctl | 7 / 29 | |
| Loans / Assets | 62.91% | 35.46% | 45.52% | 58.70% | 79th pctl | 6 / 29 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |