North Alabama Educators
Huntsville, AL · Charter 60500 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 5 branches
Q2 2026
$142.9MAssets
$55.3MLoans
$132.2MShares
$11.3MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 73% of credit unions under $1B in assets (rank 461 of 1681).
- Widest gap: equity / assets trails 97% of credit unions under $1B in assets (rank 1627 of 1683).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.66%
Rank 931 of 1,683
Net Interest Margin
2.95%
Rank 1,481 of 1,683
Efficiency Ratio
80.23%
Rank 947 of 1,682
Equity / Assets
7.91%
Rank 1,627 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.66% | 0.35% | 0.74% | 1.18% | Beats 45% | 931 / 1,683 | |
| Return on Equity | 8.40% | 2.67% | 5.89% | 8.74% | Beats 73% | 461 / 1,681 | |
| Net Interest Margin | 2.95% | 3.31% | 3.82% | 4.32% | Beats 12% | 1,481 / 1,683 | |
| Efficiency Ratio | 80.23% | 68.91% | 78.20% | 86.93% | Beats 44% | 947 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.72% | 0.26% | 0.65% | 1.29% | Beats 47% | 888 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 7.91% | 10.44% | 12.89% | 16.53% | Beats 3% | 1,627 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 7.91% | 10.44% | 12.89% | 16.53% | Beats 3% | 1,627 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 41.86% | 52.61% | 69.38% | 83.50% | 13th pctl | 1,469 / 1,683 | |
| Loans / Assets | 38.72% | 44.71% | 59.18% | 70.72% | 17th pctl | 1,400 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |