Courtland, AL · Charter 63614
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
66
Asset Quality
15
Profitability
28
Liquidity
35
Efficiency
23
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.
Courtland, AL · Charter 63614
NCUA · 4 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.54% | 0.94% | 0.83% | 0.43% | 0.47% | -7 bps | |
| Return on Equity | 3.75% | 6.39% | 5.72% | 2.98% | 3.17% | -58 bps | |
| Net Interest Margin | 3.36% | 3.40% | 3.33% | 3.19% | 3.31% | -5 bps | |
| Efficiency Ratio | 85.33% | 75.14% | 77.79% | 87.63% | 87.57% | +224 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.42% | 1.16% | 4.43% | 4.73% | 2.87% | +429 bps | |
| Loan Growth (YoY) | -10.28% | -8.74% | -7.11% | -10.19% | -8.98% | +130 bps | |
| Share Growth (YoY) | -2.34% | 0.30% | 4.01% | 4.43% | 2.40% | +474 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.39% | 1.31% | 2.09% | 0.55% | 1.91% | +52 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.39% | 14.76% | 14.55% | 14.52% | 14.75% | +37 bps | |
| Net Worth / Assets | 14.39% | 14.76% | 14.55% | 14.52% | 14.75% | +37 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 55.63% | 54.65% | 52.95% | 49.50% | 49.45% | -618 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Courtland, AL · Charter 63614 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 4 branches
Q2 2026
Return on Assets
0.47%
Rank 1,172 of 1,683
Net Interest Margin
3.31%
Rank 1,261 of 1,683
Efficiency Ratio
87.53%
Rank 1,288 of 1,682
Equity / Assets
14.76%
Rank 576 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.47% | 0.35% | 0.74% | 1.18% | Beats 30% | 1,172 / 1,683 | |
| Return on Equity | 3.16% | 2.67% | 5.89% | 8.74% | Beats 29% | 1,194 / 1,681 | |
| Net Interest Margin | 3.31% | 3.31% | 3.82% | 4.32% | Beats 25% | 1,261 / 1,683 | |
| Efficiency Ratio | 87.53% | 68.91% | 78.20% | 86.93% | Beats 23% | 1,288 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.91% | 0.26% | 0.65% | 1.29% | Beats 15% | 1,433 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 14.76% | 10.44% | 12.89% | 16.53% | Beats 66% | 576 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 14.76% | 10.44% | 12.89% | 16.53% | Beats 66% | 576 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 49.45% | 52.61% | 69.38% | 83.50% | 21st pctl | 1,332 / 1,683 | |
| Loans / Assets | 42.00% | 44.71% | 59.18% | 70.72% | 21st pctl | 1,322 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||