New Horizons
Mobile, AL · Charter 60799 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 8 branches
Q2 2026
$304.1MAssets
$213.6MLoans
$269.6MShares
$31.2MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 68% of credit unions under $1B in assets (rank 541 of 1682).
- Widest gap: equity / assets trails 77% of credit unions under $1B in assets (rank 1292 of 1683).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.70%
Rank 887 of 1,683
Net Interest Margin
3.56%
Rank 1,080 of 1,683
Efficiency Ratio
81.71%
Rank 1,018 of 1,682
Equity / Assets
10.27%
Rank 1,292 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.70% | 0.35% | 0.74% | 1.18% | Beats 47% | 887 / 1,683 | | |
| Return on Equity | 6.82% | 2.67% | 5.89% | 8.74% | Beats 59% | 687 / 1,681 | | |
| Net Interest Margin | 3.56% | 3.31% | 3.82% | 4.32% | Beats 36% | 1,080 / 1,683 | | |
| Efficiency Ratio | 81.71% | 68.91% | 78.20% | 86.93% | Beats 40% | 1,018 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.37% | 0.26% | 0.65% | 1.29% | Beats 68% | 541 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.27% | 10.44% | 12.89% | 16.53% | Beats 23% | 1,292 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.27% | 10.44% | 12.89% | 16.53% | Beats 23% | 1,292 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 79.25% | 52.61% | 69.38% | 83.50% | 68th pctl | 539 / 1,683 | | |
| Loans / Assets | 70.26% | 44.71% | 59.18% | 70.72% | 74th pctl | 437 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |