Pennington, AL · Charter 62661
NCUA · 4 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
80
Asset Quality
14
Profitability
74
Liquidity
20
Efficiency
90
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.
Pennington, AL · Charter 62661
NCUA · 4 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 | 1.32% | 1.15% | 1.95% | 1.73% | 1.65% | 1.61% | 1.48% | 1.66% | -8 bps | |
| Return on Equity | 7.67% | 6.63% | 11.20% | 9.95% | 9.59% | 9.10% | 8.41% | 9.20% | -75 bps | |
| Net Interest Margin | 3.36% | 3.45% | 3.53% | 3.61% | 3.62% | 3.74% | 3.81% | 3.89% | +28 bps | |
| Efficiency Ratio | 62.95% | 67.34% | 47.11% | 53.39% | 55.28% | 57.45% | 60.34% | 57.75% | +437 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.30% | 8.74% | 5.56% | 6.63% | 8.59% | 8.41% | 8.11% | 5.94% | -69 bps | |
| Loan Growth (YoY) | 3.46% | 1.98% | 2.36% | 3.43% | 4.24% | 4.86% | 4.79% | 1.82% | -161 bps | |
| Share Growth (YoY) | 9.41% | 8.12% | 8.02% | 9.29% | 8.59% | 7.96% | 7.78% | 5.09% | -420 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.22% | 1.28% | 1.38% | 1.21% | 0.99% | 1.07% | 1.64% | 1.97% | +76 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 | 17.18% | 17.40% | 17.43% | 17.40% | 17.21% | 17.66% | 17.61% | 18.00% | +60 bps | |
| Net Worth / Assets | 17.18% | 17.40% | 17.43% | 17.40% | 17.21% | 17.66% | 17.61% | 18.00% | +60 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 91.47% | 92.55% | 90.30% | 90.45% | 87.81% | 89.90% | 87.79% | 87.64% | -281 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Pennington, AL · Charter 62661 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 4 branches
Q2 2026
Return on Assets
1.66%
Rank 180 of 1,683
Net Interest Margin
3.89%
Rank 767 of 1,683
Efficiency Ratio
57.75%
Rank 161 of 1,682
Equity / Assets
18.00%
Rank 332 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.66% | 0.35% | 0.74% | 1.18% | Beats 89% | 180 / 1,683 | ||
| Return on Equity | 9.20% | 2.67% | 5.89% | 8.74% | Beats 78% | 367 / 1,681 | ||
| Net Interest Margin | 3.89% | 3.31% | 3.82% | 4.32% | Beats 54% | 767 / 1,683 | ||
| Efficiency Ratio | 57.75% | 68.91% | 78.20% | 86.93% | Beats 90% | 161 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.97% | 0.26% | 0.65% | 1.29% | Beats 14% | 1,443 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 18.00% | 10.44% | 12.89% | 16.53% | Beats 80% | 332 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 18.00% | 10.44% | 12.89% | 16.53% | Beats 80% | 332 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 87.64% | 52.61% | 69.38% | 83.50% | 83rd pctl | 291 / 1,683 | ||
| Loans / Assets | 71.31% | 44.71% | 59.18% | 70.72% | 76th pctl | 399 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||