Family Security
Decatur, AL · Charter 60605 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 25 branches
Q2 2026
$1.1BAssets
$417.7MLoans
$876.5MShares
$216.8MNet Worth
Executive Summary
- Strongest standing: return on assets outperforms 99% of credit unions $1B-$10B in assets (rank 5 of 435).
- Widest gap: net interest margin trails 54% of credit unions $1B-$10B in assets (rank 234 of 435).
- Overall: at or above the peer median on 6 of 7 directional measures.
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 |