Decatur, AL · Charter 61150
NCUA · 2 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 under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
10
Asset Quality
73
Profitability
43
Liquidity
43
Efficiency
18
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 61150
NCUA · 2 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.66% | 0.41% | 0.58% | 0.42% | 0.54% | 0.50% | 0.37% | 0.51% | +9 bps | |
| Return on Equity | 7.70% | 4.75% | 6.59% | 4.73% | 5.86% | 5.43% | 4.07% | 5.67% | +94 bps | |
| Net Interest Margin | 3.81% | 3.88% | 3.78% | 3.85% | 3.94% | 3.93% | 3.78% | 3.80% | -5 bps | |
| Efficiency Ratio | 87.48% | 92.11% | 87.88% | 91.43% | 88.90% | 89.79% | 92.69% | 89.96% | -147 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.52% | 1.83% | -1.98% | -3.67% | -3.49% | -1.01% | 1.60% | 5.50% | +917 bps | |
| Loan Growth (YoY) | 2.88% | -0.43% | -2.51% | -4.32% | -4.66% | 0.77% | -0.95% | -3.11% | +122 bps | |
| Share Growth (YoY) | 1.49% | 2.03% | -1.88% | -3.75% | -4.12% | -1.39% | 1.54% | 5.85% | +959 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.05% | 1.09% | 2.07% | 0.41% | 0.28% | 0.25% | 0.15% | 0.29% | -12 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.59% | 8.64% | 8.76% | 8.98% | 9.24% | 9.23% | 9.05% | 9.00% | +3 bps | |
| Net Worth / Assets | 8.59% | 8.64% | 8.76% | 8.98% | 9.24% | 9.23% | 9.05% | 9.00% | +3 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 57.18% | 55.45% | 54.85% | 56.74% | 56.85% | 56.67% | 53.50% | 51.94% | -480 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Decatur, AL · Charter 61150 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
0.51%
Rank 1,123 of 1,683
Net Interest Margin
3.79%
Rank 865 of 1,683
Efficiency Ratio
90.04%
Rank 1,382 of 1,682
Equity / Assets
9.00%
Rank 1,508 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.51% | 0.35% | 0.74% | 1.18% | Beats 33% | 1,123 / 1,683 | ||
| Return on Equity | 5.68% | 2.67% | 5.89% | 8.74% | Beats 48% | 879 / 1,681 | ||
| Net Interest Margin | 3.79% | 3.31% | 3.82% | 4.32% | Beats 49% | 865 / 1,683 | ||
| Efficiency Ratio | 90.04% | 68.91% | 78.20% | 86.93% | Beats 18% | 1,382 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.29% | 0.26% | 0.65% | 1.29% | Beats 73% | 452 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.00% | 10.44% | 12.89% | 16.53% | Beats 10% | 1,508 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.00% | 10.44% | 12.89% | 16.53% | Beats 10% | 1,508 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 51.94% | 52.61% | 69.38% | 83.50% | 24th pctl | 1,281 / 1,683 | ||
| Loans / Assets | 47.27% | 44.71% | 59.18% | 70.72% | 29th pctl | 1,193 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||