Alabama River Employees
Perdue Hill, AL · Charter 65402 · Peer group: credit unions under $1B in assets (n=1,656-1,659)
NCUA · 1 branch
Q2 2025
$22.7MAssets
$5.3MLoans
$20.4MShares
$2.3MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 24% of credit unions under $1B in assets (rank 1255 of 1657).
- Widest gap: net interest margin trails 92% of credit unions under $1B in assets (rank 1522 of 1658).
- Overall: at or above the peer median on 0 of 7 directional measures.
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 | 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 |