Valley
Tuscumbia, AL · Charter 60930 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 7 branches
Q2 2026
$112.9MAssets
$38.4MLoans
$98.2MShares
$15.8MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 80% of credit unions under $1B in assets (rank 335 of 1682).
- Widest gap: net interest margin trails 85% of credit unions under $1B in assets (rank 1429 of 1683).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.55%
Rank 1,068 of 1,683
Net Interest Margin
3.04%
Rank 1,429 of 1,683
Efficiency Ratio
82.59%
Rank 1,063 of 1,682
Equity / Assets
13.96%
Rank 681 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.55% | 0.35% | 0.74% | 1.18% | Beats 37% | 1,068 / 1,683 | |
| Return on Equity | 3.96% | 2.67% | 5.89% | 8.74% | Beats 35% | 1,099 / 1,681 | |
| Net Interest Margin | 3.04% | 3.31% | 3.82% | 4.32% | Beats 15% | 1,429 / 1,683 | |
| Efficiency Ratio | 82.59% | 68.91% | 78.20% | 86.93% | Beats 37% | 1,063 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.20% | 0.26% | 0.65% | 1.29% | Beats 80% | 335 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 13.96% | 10.44% | 12.89% | 16.53% | Beats 60% | 681 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 13.96% | 10.44% | 12.89% | 16.53% | Beats 60% | 681 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 39.12% | 52.61% | 69.38% | 83.50% | 10th pctl | 1,509 / 1,683 | |
| Loans / Assets | 34.03% | 44.71% | 59.18% | 70.72% | 12th pctl | 1,487 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |