Opp-Micolas
Opp, AL · Charter 62486 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$10.4MAssets
$2.5MLoans
$7.8MShares
$2.6MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 94% of credit unions under $1B in assets (rank 99 of 1683).
- Widest gap: efficiency ratio trails 97% of credit unions under $1B in assets (rank 1629 of 1682).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
-0.57%
Rank 1,581 of 1,683
Net Interest Margin
3.70%
Rank 947 of 1,683
Efficiency Ratio
114.93%
Rank 1,629 of 1,682
Equity / Assets
25.17%
Rank 99 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.57% | 0.35% | 0.74% | 1.18% | Beats 6% | 1,581 / 1,683 | |
| Return on Equity | -2.28% | 2.67% | 5.89% | 8.74% | Beats 7% | 1,559 / 1,681 | |
| Net Interest Margin | 3.70% | 3.31% | 3.82% | 4.32% | Beats 44% | 947 / 1,683 | |
| Efficiency Ratio | 114.93% | 68.91% | 78.20% | 86.93% | Beats 3% | 1,629 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.45% | 0.26% | 0.65% | 1.29% | Beats 22% | 1,307 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 25.17% | 10.44% | 12.89% | 16.53% | Beats 94% | 99 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 25.17% | 10.44% | 12.89% | 16.53% | Beats 94% | 99 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 31.92% | 52.61% | 69.38% | 83.50% | 6th pctl | 1,585 / 1,683 | |
| Loans / Assets | 23.82% | 44.71% | 59.18% | 70.72% | 5th pctl | 1,602 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |