Champion Community
Courtland, AL · Charter 63614 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 4 branches
Q2 2026
$51.0MAssets
$21.4MLoans
$43.3MShares
$7.5MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 66% of credit unions under $1B in assets (rank 576 of 1683).
- Widest gap: nonperforming loans / loans trails 85% of credit unions under $1B in assets (rank 1433 of 1682).
- Overall: at or above the peer median on 2 of 7 directional measures.
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 |