Prattville, AL · Charter 68374
NCUA · 15 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
19
Asset Quality
12
Profitability
85
Liquidity
61
Efficiency
65
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.
Prattville, AL · Charter 68374
NCUA · 15 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.10% | 1.24% | 1.30% | 1.10% | 1.18% | +9 bps | |
| Return on Equity | 11.91% | 13.21% | 13.64% | 11.53% | 12.50% | +59 bps | |
| Net Interest Margin | 4.03% | 4.01% | 4.00% | 4.05% | 3.93% | -10 bps | |
| Efficiency Ratio | 65.85% | 65.78% | 65.35% | 69.01% | 67.50% | +165 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.95% | 8.61% | 12.29% | 11.17% | 12.57% | +562 bps | |
| Loan Growth (YoY) | 4.63% | 7.21% | 8.07% | 6.21% | 7.31% | +268 bps | |
| Share Growth (YoY) | 4.30% | 4.06% | 6.10% | 6.66% | 7.74% | +344 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.10% | 1.35% | 1.77% | 1.25% | 1.45% | +35 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.20% | 9.36% | 9.56% | 9.57% | 9.46% | +26 bps | |
| Net Worth / Assets | 9.20% | 9.36% | 9.56% | 9.57% | 9.46% | +26 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 94.18% | 94.66% | 93.47% | 92.14% | 93.80% | -38 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Prattville, AL · Charter 68374 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 15 branches
Q2 2026
Return on Assets
1.18%
Rank 91 of 435
Net Interest Margin
3.93%
Rank 65 of 435
Efficiency Ratio
67.50%
Rank 152 of 435
Equity / Assets
9.46%
Rank 354 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.18% | 0.55% | 0.81% | 1.14% | Beats 79% | 91 / 435 | |
| Return on Equity | 12.50% | 5.12% | 7.41% | 9.70% | Beats 92% | 34 / 435 | |
| Net Interest Margin | 3.93% | 3.01% | 3.39% | 3.75% | Beats 85% | 65 / 435 | |
| Efficiency Ratio | 67.50% | 65.25% | 71.39% | 77.86% | Beats 65% | 152 / 435 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.45% | 0.45% | 0.69% | 1.05% | Beats 12% | 385 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 9.46% | 9.81% | 10.84% | 12.63% | Beats 19% | 354 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 9.46% | 9.81% | 10.84% | 12.63% | Beats 19% | 354 / 435 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 93.80% | 78.33% | 88.38% | 95.61% | 69th pctl | 133 / 435 | |
| Loans / Assets | 76.17% | 67.69% | 74.58% | 80.80% | 56th pctl | 192 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||