City
Tuscaloosa, AL · Charter 62062 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$21.3MAssets
$10.9MLoans
$15.9MShares
$5.1MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 93% of credit unions under $1B in assets (rank 117 of 1683).
- Widest gap: net interest margin trails 57% of credit unions under $1B in assets (rank 958 of 1683).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
1.25%
Rank 374 of 1,683
Net Interest Margin
3.69%
Rank 958 of 1,683
Efficiency Ratio
73.97%
Rank 635 of 1,682
Equity / Assets
23.98%
Rank 117 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.25% | 0.35% | 0.74% | 1.18% | Beats 78% | 374 / 1,683 | | |
| Return on Equity | 5.21% | 2.67% | 5.89% | 8.74% | Beats 44% | 941 / 1,681 | | |
| Net Interest Margin | 3.69% | 3.31% | 3.82% | 4.32% | Beats 43% | 958 / 1,683 | | |
| Efficiency Ratio | 73.97% | 68.91% | 78.20% | 86.93% | Beats 62% | 635 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.79% | 0.26% | 0.65% | 1.29% | Beats 44% | 946 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 23.98% | 10.44% | 12.89% | 16.53% | Beats 93% | 117 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 23.98% | 10.44% | 12.89% | 16.53% | Beats 93% | 117 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 68.79% | 52.61% | 69.38% | 83.50% | 49th pctl | 860 / 1,683 | | |
| Loans / Assets | 51.38% | 44.71% | 59.18% | 70.72% | 36th pctl | 1,073 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |