Alabama
Tuscaloosa, AL · Charter 60823 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 37 branches
Q2 2026
$2.1BAssets
$1.5BLoans
$1.8BShares
$205.8MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 41% of credit unions $1B-$10B in assets (rank 258 of 435).
- Widest gap: net interest margin trails 89% of credit unions $1B-$10B in assets (rank 388 of 435).
- Overall: at or above the peer median on 0 of 7 directional measures.
Return on Assets
0.37%
Rank 373 of 435
Net Interest Margin
2.62%
Rank 388 of 435
Efficiency Ratio
78.63%
Rank 342 of 435
Equity / Assets
9.92%
Rank 312 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.37% | 0.55% | 0.81% | 1.14% | Beats 14% | 373 / 435 | | |
| Return on Equity | 3.76% | 5.12% | 7.41% | 9.70% | Beats 16% | 364 / 435 | | |
| Net Interest Margin | 2.62% | 3.01% | 3.39% | 3.75% | Beats 11% | 388 / 435 | | |
| Efficiency Ratio | 78.63% | 65.25% | 71.39% | 77.86% | Beats 22% | 342 / 435 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.80% | 0.45% | 0.69% | 1.05% | Beats 41% | 258 / 435 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.92% | 9.81% | 10.84% | 12.63% | Beats 28% | 312 / 435 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.92% | 9.81% | 10.84% | 12.63% | Beats 28% | 312 / 435 | | |
| Liquidity & Funding |
| Loans / Deposits | 85.33% | 78.33% | 88.38% | 95.61% | 42nd pctl | 251 / 435 | | |
| Loans / Assets | 74.17% | 67.69% | 74.58% | 80.80% | 49th pctl | 224 / 435 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |