Azalea City
Mobile, AL · Charter 68224 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 5 branches
Q2 2026
$47.2MAssets
$20.1MLoans
$39.8MShares
$7.2MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 68% of credit unions under $1B in assets (rank 531 of 1683).
- Widest gap: nonperforming loans / loans trails 80% of credit unions under $1B in assets (rank 1352 of 1682).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
1.01%
Rank 589 of 1,683
Net Interest Margin
4.13%
Rank 573 of 1,683
Efficiency Ratio
81.26%
Rank 995 of 1,682
Equity / Assets
15.21%
Rank 531 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.01% | 0.35% | 0.74% | 1.18% | Beats 65% | 589 / 1,683 | | |
| Return on Equity | 6.61% | 2.67% | 5.89% | 8.74% | Beats 57% | 723 / 1,681 | | |
| Net Interest Margin | 4.13% | 3.31% | 3.82% | 4.32% | Beats 66% | 573 / 1,683 | | |
| Efficiency Ratio | 81.26% | 68.91% | 78.20% | 86.93% | Beats 41% | 995 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.57% | 0.26% | 0.65% | 1.29% | Beats 20% | 1,352 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 15.21% | 10.44% | 12.89% | 16.53% | Beats 68% | 531 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 15.21% | 10.44% | 12.89% | 16.53% | Beats 68% | 531 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 50.65% | 52.61% | 69.38% | 83.50% | 22nd pctl | 1,306 / 1,683 | | |
| Loans / Assets | 42.72% | 44.71% | 59.18% | 70.72% | 22nd pctl | 1,308 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |