Listerhill
Sheffield, AL · Charter 63057 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 18 branches
Q2 2026
$1.5BAssets
$1.1BLoans
$1.3BShares
$163.0MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 63% of credit unions $1B-$10B in assets (rank 159 of 435).
- Widest gap: efficiency ratio trails 88% of credit unions $1B-$10B in assets (rank 382 of 435).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.75%
Rank 247 of 435
Net Interest Margin
3.59%
Rank 159 of 435
Efficiency Ratio
81.77%
Rank 382 of 435
Equity / Assets
11.06%
Rank 196 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.75% | 0.55% | 0.81% | 1.14% | Beats 43% | 247 / 435 | |
| Return on Equity | 6.78% | 5.12% | 7.41% | 9.70% | Beats 42% | 252 / 435 | |
| Net Interest Margin | 3.59% | 3.01% | 3.39% | 3.75% | Beats 63% | 159 / 435 | |
| Efficiency Ratio | 81.77% | 65.25% | 71.39% | 77.86% | Beats 12% | 382 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.62% | 0.45% | 0.69% | 1.05% | Beats 57% | 190 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.06% | 9.81% | 10.84% | 12.63% | Beats 55% | 196 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.06% | 9.81% | 10.84% | 12.63% | Beats 55% | 196 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 83.27% | 78.33% | 88.38% | 95.61% | 36th pctl | 279 / 435 | |
| Loans / Assets | 74.07% | 67.69% | 74.58% | 80.80% | 48th pctl | 228 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |