Appliance
Cleveland, TN · Charter 67976 · Peer group: credit unions under $1B in assets in the Birmingham, AL area (n=29)
NCUA · 1 branch
Q2 2026
$18.7MAssets
$5.0MLoans
$16.7MShares
$1.8MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 48% of credit unions under $1B in assets in the Birmingham, AL area (rank 16 of 29).
- Widest gap: equity / assets trails 83% of credit unions under $1B in assets in the Birmingham, AL area (rank 24 of 29).
- Overall: at or above the peer median on 0 of 7 directional measures.
Return on Assets
0.29%
Rank 21 of 29
Net Interest Margin
3.29%
Rank 22 of 29
Efficiency Ratio
84.95%
Rank 19 of 29
Equity / Assets
9.60%
Rank 24 of 29
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.29% | 0.26% | 0.65% | 1.06% | Beats 28% | 21 / 29 | | |
| Return on Equity | 3.01% | 2.33% | 4.15% | 7.02% | Beats 34% | 19 / 29 | | |
| Net Interest Margin | 3.29% | 3.29% | 3.80% | 4.67% | Beats 24% | 22 / 29 | | |
| Efficiency Ratio | 84.95% | 67.71% | 81.00% | 89.29% | Beats 38% | 19 / 29 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.17% | 0.40% | 1.03% | 1.72% | Beats 48% | 16 / 29 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.60% | 10.13% | 13.97% | 19.12% | Beats 17% | 24 / 29 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.60% | 10.13% | 13.97% | 19.12% | Beats 17% | 24 / 29 | | |
| Liquidity & Funding |
| Loans / Deposits | 29.62% | 40.72% | 55.53% | 68.24% | 10th pctl | 26 / 29 | | |
| Loans / Assets | 26.55% | 35.46% | 45.52% | 58.70% | 14th pctl | 25 / 29 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |