Alabama State Employees
Montgomery, AL · Charter 64598 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 10 branches
Q2 2026
$471.2MAssets
$238.4MLoans
$416.6MShares
$56.6MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 72% of credit unions under $1B in assets (rank 475 of 1682).
- Widest gap: equity / assets trails 59% of credit unions under $1B in assets (rank 995 of 1683).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.93%
Rank 648 of 1,683
Net Interest Margin
3.73%
Rank 916 of 1,683
Efficiency Ratio
78.20%
Rank 842 of 1,682
Equity / Assets
12.01%
Rank 995 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.93% | 0.35% | 0.74% | 1.18% | Beats 61% | 648 / 1,683 | | |
| Return on Equity | 7.75% | 2.67% | 5.89% | 8.74% | Beats 68% | 546 / 1,681 | | |
| Net Interest Margin | 3.73% | 3.31% | 3.82% | 4.32% | Beats 46% | 916 / 1,683 | | |
| Efficiency Ratio | 78.20% | 68.91% | 78.20% | 86.93% | Beats 50% | 842 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.31% | 0.26% | 0.65% | 1.29% | Beats 72% | 475 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.01% | 10.44% | 12.89% | 16.53% | Beats 41% | 995 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.01% | 10.44% | 12.89% | 16.53% | Beats 41% | 995 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 57.22% | 52.61% | 69.38% | 83.50% | 31st pctl | 1,164 / 1,683 | | |
| Loans / Assets | 50.59% | 44.71% | 59.18% | 70.72% | 35th pctl | 1,101 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |