Naheola
Pennington, AL · Charter 62661 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 4 branches
Q2 2026
$219.6MAssets
$156.6MLoans
$178.7MShares
$39.5MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 90% of credit unions under $1B in assets (rank 161 of 1682).
- Widest gap: nonperforming loans / loans trails 86% of credit unions under $1B in assets (rank 1443 of 1682).
- Overall: at or above the peer median on 6 of 7 directional measures.
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 | 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 |