Decatur, AL · Charter 60605
NCUA · 25 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
99
Asset Quality
57
Profitability
74
Liquidity
0
Efficiency
94
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Decatur, AL · Charter 60605
NCUA · 25 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.01% | 2.00% | 2.04% | 1.77% | 1.98% | -3 bps | |
| Return on Equity | 10.50% | 10.36% | 10.41% | 9.07% | 9.93% | -58 bps | |
| Net Interest Margin | 3.32% | 3.33% | 3.32% | 3.26% | 3.34% | +1 bps | |
| Efficiency Ratio | 55.18% | 55.46% | 55.00% | 57.85% | 55.66% | +48 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.61% | 7.57% | 7.88% | 7.08% | 6.42% | -19 bps | |
| Loan Growth (YoY) | -4.89% | -4.84% | -3.64% | -3.45% | -3.33% | +156 bps | |
| Share Growth (YoY) | 4.84% | 5.80% | 5.41% | 5.24% | 5.04% | +20 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.55% | 0.67% | 0.70% | 0.63% | 0.61% | +6 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 19.09% | 19.29% | 19.59% | 19.50% | 19.93% | +83 bps | |
| Net Worth / Assets | 19.09% | 19.29% | 19.59% | 19.50% | 19.93% | +83 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 51.78% | 50.79% | 49.96% | 47.96% | 47.66% | -413 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Decatur, AL · Charter 60605 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 25 branches
Q2 2026
Return on Assets
1.98%
Rank 5 of 435
Net Interest Margin
3.34%
Rank 234 of 435
Efficiency Ratio
55.66%
Rank 28 of 435
Equity / Assets
19.93%
Rank 5 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.98% | 0.55% | 0.81% | 1.14% | Beats 99% | 5 / 435 | |
| Return on Equity | 9.93% | 5.12% | 7.41% | 9.70% | Beats 77% | 102 / 435 | |
| Net Interest Margin | 3.34% | 3.01% | 3.39% | 3.75% | Beats 46% | 234 / 435 | |
| Efficiency Ratio | 55.66% | 65.25% | 71.39% | 77.86% | Beats 94% | 28 / 435 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.61% | 0.45% | 0.69% | 1.05% | Beats 57% | 186 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 19.93% | 9.81% | 10.84% | 12.63% | Beats 99% | 5 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 19.93% | 9.81% | 10.84% | 12.63% | Beats 99% | 5 / 435 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 47.66% | 78.33% | 88.38% | 95.61% | 2nd pctl | 428 / 435 | |
| Loans / Assets | 38.38% | 67.69% | 74.58% | 80.80% | 1st pctl | 430 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||