Dothan, AL · Charter 68302
NCUA · 25 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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
86
Asset Quality
10
Profitability
60
Liquidity
61
Efficiency
43
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.
Dothan, AL · Charter 68302
NCUA · 25 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 | 0.25% | 0.47% | 0.88% | 0.83% | 0.91% | 0.92% | 1.03% | 1.09% | +25 bps | |
| Return on Equity | 1.90% | 3.55% | 6.74% | 6.27% | 6.76% | 6.81% | 7.56% | 7.85% | +159 bps | |
| Net Interest Margin | 2.68% | 2.84% | 3.09% | 3.13% | 3.16% | 3.19% | 3.33% | 3.44% | +32 bps | |
| Efficiency Ratio | 79.12% | 77.27% | 73.33% | 73.73% | 72.83% | 72.42% | 75.21% | 73.57% | -16 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 52.09% | 49.12% | 45.84% | 4.87% | 3.19% | 3.92% | 2.40% | 3.66% | -120 bps | |
| Loan Growth (YoY) | 83.30% | 80.31% | 73.71% | 1.39% | 3.52% | 9.22% | 13.89% | 13.37% | +1,198 bps | |
| Share Growth (YoY) | 62.70% | 58.50% | 52.95% | 6.37% | 2.18% | 2.36% | 1.37% | 2.41% | -395 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.69% | 0.83% | 0.93% | 1.64% | 1.51% | 1.22% | 1.34% | 1.50% | -14 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 | 12.98% | 13.15% | 13.00% | 13.28% | 13.46% | 13.52% | 13.60% | 13.82% | +54 bps | |
| Net Worth / Assets | 12.98% | 13.15% | 13.00% | 13.28% | 13.46% | 13.52% | 13.60% | 13.82% | +54 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 73.78% | 73.52% | 69.85% | 71.55% | 74.75% | 78.45% | 78.47% | 79.20% | +765 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Dothan, AL · Charter 68302 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 25 branches
Q2 2026
Return on Assets
1.09%
Rank 126 of 435
Net Interest Margin
3.44%
Rank 199 of 435
Efficiency Ratio
73.57%
Rank 251 of 435
Equity / Assets
13.82%
Rank 59 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.09% | 0.55% | 0.81% | 1.14% | Beats 71% | 126 / 435 | ||
| Return on Equity | 7.85% | 5.12% | 7.41% | 9.70% | Beats 54% | 201 / 435 | ||
| Net Interest Margin | 3.44% | 3.01% | 3.39% | 3.75% | Beats 54% | 199 / 435 | ||
| Efficiency Ratio | 73.57% | 65.25% | 71.39% | 77.86% | Beats 43% | 251 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.50% | 0.45% | 0.69% | 1.05% | Beats 10% | 391 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.82% | 9.81% | 10.84% | 12.63% | Beats 86% | 59 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 13.82% | 9.81% | 10.84% | 12.63% | Beats 86% | 59 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 79.20% | 78.33% | 88.38% | 95.61% | 27th pctl | 317 / 435 | ||
| Loans / Assets | 68.26% | 67.69% | 74.58% | 80.80% | 26th pctl | 322 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||