Five Star
Dothan, AL · Charter 68302 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 25 branches
Q2 2026
$1.3BAssets
$860.9MLoans
$1.1BShares
$174.3MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 86% of credit unions $1B-$10B in assets (rank 59 of 435).
- Widest gap: nonperforming loans / loans trails 90% of credit unions $1B-$10B in assets (rank 391 of 435).
- Overall: at or above the peer median on 5 of 7 directional measures.
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 |