Wcu Credit Union
Decatur, AL · Charter 61150 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$36.0MAssets
$17.0MLoans
$32.8MShares
$3.2MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 73% of credit unions under $1B in assets (rank 452 of 1682).
- Widest gap: equity / assets trails 90% of credit unions under $1B in assets (rank 1508 of 1683).
- Overall: at or above the peer median on 1 of 7 directional measures.
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 |