Jefferson Credit Union
Hoover, AL · Charter 63834 · Peer group: credit unions under $1B in assets in the Birmingham, AL area (n=29)
NCUA · 4 branches
Q2 2026
$91.4MAssets
$47.0MLoans
$80.9MShares
$9.4MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 76% of credit unions under $1B in assets in the Birmingham, AL area (rank 7 of 29).
- Widest gap: equity / assets trails 72% of credit unions under $1B in assets in the Birmingham, AL area (rank 21 of 29).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.85%
Rank 10 of 29
Net Interest Margin
4.10%
Rank 12 of 29
Efficiency Ratio
80.21%
Rank 14 of 29
Equity / Assets
10.33%
Rank 21 of 29
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.85% | 0.26% | 0.65% | 1.06% | Beats 66% | 10 / 29 | | |
| Return on Equity | 8.20% | 2.33% | 4.15% | 7.02% | Beats 76% | 7 / 29 | | |
| Net Interest Margin | 4.10% | 3.29% | 3.80% | 4.67% | Beats 59% | 12 / 29 | | |
| Efficiency Ratio | 80.21% | 67.71% | 81.00% | 89.29% | Beats 55% | 14 / 29 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.38% | 0.40% | 1.03% | 1.72% | Beats 41% | 18 / 29 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.33% | 10.13% | 13.97% | 19.12% | Beats 28% | 21 / 29 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.33% | 10.13% | 13.97% | 19.12% | Beats 28% | 21 / 29 | | |
| Liquidity & Funding |
| Loans / Deposits | 58.13% | 40.72% | 55.53% | 68.24% | 52nd pctl | 14 / 29 | | |
| Loans / Assets | 51.47% | 35.46% | 45.52% | 58.70% | 62nd pctl | 11 / 29 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |