Coosa Pines
Childersburg, AL · Charter 6774 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 5 branches
Q2 2026
$420.8MAssets
$257.8MLoans
$356.6MShares
$68.1MNet Worth
Executive Summary
- Strongest standing: return on assets outperforms 92% of credit unions under $1B in assets (rank 137 of 1683).
- Widest gap: nonperforming loans / loans trails 60% of credit unions under $1B in assets (rank 1012 of 1682).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.77%
Rank 137 of 1,683
Net Interest Margin
3.96%
Rank 705 of 1,683
Efficiency Ratio
56.95%
Rank 144 of 1,682
Equity / Assets
16.20%
Rank 446 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.77% | 0.35% | 0.74% | 1.18% | Beats 92% | 137 / 1,683 | |
| Return on Equity | 10.95% | 2.67% | 5.89% | 8.74% | Beats 88% | 210 / 1,681 | |
| Net Interest Margin | 3.96% | 3.31% | 3.82% | 4.32% | Beats 58% | 705 / 1,683 | |
| Efficiency Ratio | 56.95% | 68.91% | 78.20% | 86.93% | Beats 91% | 144 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.87% | 0.26% | 0.65% | 1.29% | Beats 40% | 1,012 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 16.20% | 10.44% | 12.89% | 16.53% | Beats 73% | 446 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 16.20% | 10.44% | 12.89% | 16.53% | Beats 73% | 446 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 72.28% | 52.61% | 69.38% | 83.50% | 55th pctl | 750 / 1,683 | |
| Loans / Assets | 61.26% | 44.71% | 59.18% | 70.72% | 55th pctl | 763 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |