Muscle Shoals, AL · Charter 61474
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 in the Detroit-Warren-Dearborn, MI area (n=38). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
92
Asset Quality
47
Profitability
29
Liquidity
28
Efficiency
47
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.
Muscle Shoals, AL · Charter 61474
NCUA · 2 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.75% | 0.59% | 0.92% | 0.91% | 0.78% | +3 bps | |
| Return on Equity | 3.24% | 2.61% | 4.05% | 4.15% | 3.54% | +30 bps | |
| Net Interest Margin | 3.52% | 3.43% | 3.41% | 3.47% | 3.37% | -14 bps | |
| Efficiency Ratio | 80.56% | 84.24% | 75.30% | 75.73% | 78.69% | -188 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.85% | 7.94% | 11.61% | 13.89% | 9.42% | +57 bps | |
| Loan Growth (YoY) | 3.51% | 7.81% | 6.23% | 6.39% | -4.99% | -850 bps | |
| Share Growth (YoY) | 9.39% | 8.84% | 11.86% | 15.08% | 9.64% | +25 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.02% | 0.79% | 0.39% | 0.53% | 0.97% | -5 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 23.08% | 22.64% | 22.66% | 21.95% | 22.01% | -106 bps | |
| Net Worth / Assets | 23.08% | 22.64% | 22.66% | 21.95% | 22.01% | -106 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 38.81% | 38.99% | 37.43% | 35.53% | 33.63% | -518 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Muscle Shoals, AL · Charter 61474 · Peer group: credit unions under $1B in assets in the Detroit-Warren-Dearborn, MI area (n=38)
NCUA · 2 branches
Q2 2026
Return on Assets
0.78%
Rank 19 of 38
Net Interest Margin
3.37%
Rank 31 of 38
Efficiency Ratio
78.70%
Rank 21 of 38
Equity / Assets
22.01%
Rank 3 of 38
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.78% | 0.49% | 0.78% | 1.16% | Beats 50% | 19 / 38 | |
| Return on Equity | 3.54% | 3.91% | 6.52% | 8.43% | Beats 18% | 31 / 38 | |
| Net Interest Margin | 3.37% | 3.41% | 3.65% | 4.18% | Beats 18% | 31 / 38 | |
| Efficiency Ratio | 78.70% | 72.88% | 78.35% | 82.40% | Beats 47% | 21 / 38 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.98% | 0.36% | 0.84% | 1.47% | Beats 47% | 21 / 38 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 22.01% | 11.22% | 12.45% | 15.29% | Beats 92% | 3 / 38 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 22.01% | 11.22% | 12.45% | 15.29% | Beats 92% | 3 / 38 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 33.63% | 38.40% | 54.78% | 75.62% | 18th pctl | 31 / 38 | |
| Loans / Assets | 26.63% | 32.99% | 45.72% | 63.66% | 16th pctl | 32 / 38 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||