Tuskegee, AL · Charter 6311
NCUA · 3 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
92
Asset Quality
65
Profitability
43
Liquidity
0
Efficiency
11
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.
Tuskegee, AL · Charter 6311
NCUA · 3 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 | 0.25% | 0.13% | -1.26% | -0.52% | -0.81% | -0.78% | 0.08% | 0.15% | +68 bps | |
| Return on Equity | 1.06% | 0.54% | -5.18% | -2.21% | -3.50% | -3.29% | 0.33% | 0.66% | +287 bps | |
| Net Interest Margin | 6.13% | 6.45% | 6.40% | 6.12% | 6.16% | 6.51% | 6.08% | 6.08% | -4 bps | |
| Efficiency Ratio | 82.47% | 87.81% | 84.73% | 85.13% | 89.13% | 86.09% | 91.49% | 94.18% | +905 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.60% | -0.76% | -0.88% | 0.31% | -0.54% | 1.63% | 1.54% | -0.75% | -106 bps | |
| Loan Growth (YoY) | 6.13% | 7.95% | 11.08% | 9.50% | 9.02% | 5.59% | 4.11% | 3.87% | -564 bps | |
| Share Growth (YoY) | -2.55% | -5.63% | -1.02% | 0.90% | -0.19% | 3.41% | 2.55% | -1.01% | -191 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.95% | 1.24% | 1.65% | 1.53% | 2.00% | 0.69% | 1.55% | 0.41% | -112 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 | 2.47% | 2.39% | 2.20% | 2.05% | 2.17% | 2.50% | 2.53% | 2.51% | +46 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 23.64% | 24.79% | 24.26% | 23.62% | 23.10% | 23.62% | 23.45% | 23.37% | -25 bps | |
| Net Worth / Assets | 23.64% | 24.79% | 24.26% | 23.62% | 23.10% | 23.62% | 23.45% | 23.37% | -25 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 83.22% | 92.58% | 90.58% | 91.27% | 90.89% | 94.53% | 91.95% | 95.77% | +449 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Tuskegee, AL · Charter 6311 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
Return on Assets
0.16%
Rank 1,414 of 1,683
Net Interest Margin
6.06%
Rank 38 of 1,683
Efficiency Ratio
94.29%
Rank 1,490 of 1,682
Equity / Assets
23.36%
Rank 134 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.16% | 0.35% | 0.74% | 1.18% | Beats 16% | 1,414 / 1,683 | ||
| Return on Equity | 0.68% | 2.67% | 5.89% | 8.74% | Beats 14% | 1,450 / 1,681 | ||
| Net Interest Margin | 6.06% | 3.31% | 3.82% | 4.32% | Beats 98% | 38 / 1,683 | ||
| Efficiency Ratio | 94.29% | 68.91% | 78.20% | 86.93% | Beats 11% | 1,490 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.41% | 0.26% | 0.65% | 1.29% | Beats 65% | 587 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 23.36% | 10.44% | 12.89% | 16.53% | Beats 92% | 134 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 23.36% | 10.44% | 12.89% | 16.53% | Beats 92% | 134 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 95.77% | 52.61% | 69.38% | 83.50% | 94th pctl | 102 / 1,683 | ||
| Loans / Assets | 72.62% | 44.71% | 59.18% | 70.72% | 79th pctl | 351 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||