Perdue Hill, AL · Charter 65402
NCUA · 1 branch
Q2 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2025, the quarter ended June 30, 2025, 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=1,656 to 1,659). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
22
Asset Quality
24
Profitability
16
Liquidity
0
Efficiency
10
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.
Perdue Hill, AL · Charter 65402
NCUA · 1 branch
Q2 2025
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 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.20% | 0.14% | 0.20% | 0.21% | 0.26% | 0.10% | 0.28% | 0.20% | -2 bps | |
| Return on Equity | 1.94% | 1.41% | 2.15% | 2.18% | 2.71% | 1.03% | 2.92% | 1.97% | -21 bps | |
| Net Interest Margin | 2.63% | 2.69% | 2.34% | 2.53% | 2.52% | 2.59% | 2.53% | 2.66% | +12 bps | |
| Efficiency Ratio | 94.97% | 96.41% | 94.15% | 94.26% | 92.81% | 95.88% | 92.16% | 94.74% | +49 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.32% | -4.40% | 4.18% | 2.75% | 5.77% | 4.74% | -0.92% | -0.44% | -319 bps | |
| Loan Growth (YoY) | 7.94% | 4.69% | -1.38% | -10.27% | -8.17% | -13.74% | -11.53% | -11.90% | -162 bps | |
| Share Growth (YoY) | -8.69% | -5.73% | 3.93% | 3.20% | 6.47% | 5.65% | -0.69% | -0.08% | -328 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.34% | 2.08% | 0.19% | 0.54% | 1.89% | 2.28% | 1.59% | 1.37% | +83 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 | 0.54% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.13% | 10.16% | 9.45% | 9.83% | 9.77% | 9.80% | 9.65% | 9.96% | +14 bps | |
| Net Worth / Assets | 10.13% | 10.16% | 9.45% | 9.83% | 9.77% | 9.80% | 9.65% | 9.96% | +14 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 33.25% | 33.55% | 29.74% | 29.44% | 28.68% | 27.40% | 26.50% | 25.96% | -348 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Perdue Hill, AL · Charter 65402 · Peer group: credit unions under $1B in assets (n=1,656-1,659)
NCUA · 1 branch
Q2 2025
Return on Assets
0.19%
Rank 1,360 of 1,659
Net Interest Margin
2.66%
Rank 1,522 of 1,658
Efficiency Ratio
94.80%
Rank 1,489 of 1,656
Equity / Assets
9.96%
Rank 1,300 of 1,658
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.19% | 0.35% | 0.78% | 1.25% | Beats 18% | 1,360 / 1,659 | ||
| Return on Equity | 1.95% | 2.75% | 6.06% | 9.41% | Beats 21% | 1,316 / 1,657 | ||
| Net Interest Margin | 2.66% | 3.20% | 3.76% | 4.33% | Beats 8% | 1,522 / 1,658 | ||
| Efficiency Ratio | 94.80% | 67.69% | 77.34% | 85.79% | Beats 10% | 1,489 / 1,656 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.38% | 0.24% | 0.65% | 1.35% | Beats 24% | 1,255 / 1,657 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.96% | 10.20% | 12.57% | 16.16% | Beats 22% | 1,301 / 1,659 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.96% | 10.20% | 12.57% | 16.15% | Beats 22% | 1,300 / 1,658 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 25.96% | 54.91% | 71.55% | 84.72% | 3rd pctl | 1,604 / 1,658 | ||
| Loans / Assets | 23.28% | 46.17% | 60.56% | 71.91% | 4th pctl | 1,593 / 1,658 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||