Emblem
Gadsden, AL · Charter 67252 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 6 branches
Q2 2026
$627.6MAssets
$480.0MLoans
$558.3MShares
$70.9MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 84% of credit unions under $1B in assets (rank 271 of 1681).
- Widest gap: net interest margin trails 70% of credit unions under $1B in assets (rank 1180 of 1683).
- Overall: at or above the peer median on 4 of 7 directional measures.
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 |