Gadsden, AL · Charter 67252
NCUA · 6 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, 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=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
34
Asset Quality
51
Profitability
62
Liquidity
27
Efficiency
65
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.
Gadsden, AL · Charter 67252
NCUA · 6 branches
Q2 2026
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 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.58% | 0.61% | 0.58% | 0.77% | 0.99% | 1.01% | 1.13% | 1.15% | +38 bps | |
| Return on Equity | 5.44% | 5.63% | 5.33% | 7.00% | 8.90% | 8.95% | 10.10% | 10.18% | +318 bps | |
| Net Interest Margin | 2.86% | 2.90% | 2.98% | 3.12% | 3.15% | 3.23% | 3.33% | 3.43% | +31 bps | |
| Efficiency Ratio | 81.45% | 78.84% | 77.16% | 75.11% | 71.63% | 70.38% | 73.08% | 72.91% | -220 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.33% | 6.69% | 4.36% | 4.68% | 5.31% | 5.32% | 7.90% | 8.95% | +426 bps | |
| Loan Growth (YoY) | 3.02% | 5.35% | 5.31% | 9.89% | 9.04% | 7.64% | 8.60% | 6.77% | -312 bps | |
| Share Growth (YoY) | 6.55% | 10.14% | 9.57% | 8.51% | 9.26% | 6.46% | 6.72% | 8.32% | -19 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.71% | 0.94% | 0.80% | 0.82% | 0.61% | 0.64% | 0.42% | 0.63% | -18 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.71% | 10.80% | 10.82% | 11.02% | 11.08% | 11.27% | 11.15% | 11.29% | +28 bps | |
| Net Worth / Assets | 10.71% | 10.80% | 10.82% | 11.02% | 11.08% | 11.27% | 11.15% | 11.29% | +28 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.18% | 85.59% | 83.62% | 87.23% | 85.01% | 86.54% | 85.10% | 85.98% | -125 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Gadsden, AL · Charter 67252 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 6 branches
Q2 2026
Return on Assets
1.15%
Rank 452 of 1,683
Net Interest Margin
3.43%
Rank 1,180 of 1,683
Efficiency Ratio
72.91%
Rank 583 of 1,682
Equity / Assets
11.29%
Rank 1,103 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.15% | 0.35% | 0.74% | 1.18% | Beats 73% | 452 / 1,683 | ||
| Return on Equity | 10.18% | 2.67% | 5.89% | 8.74% | Beats 84% | 271 / 1,681 | ||
| Net Interest Margin | 3.43% | 3.31% | 3.82% | 4.32% | Beats 30% | 1,180 / 1,683 | ||
| Efficiency Ratio | 72.91% | 68.91% | 78.20% | 86.93% | Beats 65% | 583 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.63% | 0.26% | 0.65% | 1.29% | Beats 51% | 826 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.29% | 10.44% | 12.89% | 16.53% | Beats 34% | 1,103 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.29% | 10.44% | 12.89% | 16.53% | Beats 34% | 1,103 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 85.98% | 52.61% | 69.38% | 83.50% | 80th pctl | 345 / 1,683 | ||
| Loans / Assets | 76.49% | 44.71% | 59.18% | 70.72% | 86th pctl | 235 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||