Max
Montgomery, AL · Charter 68575 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 16 branches
Q2 2026
$2.4BAssets
$1.2BLoans
$2.1BShares
$345.5MNet Worth
Executive Summary
- Strongest standing: return on assets outperforms 94% of credit unions $1B-$10B in assets (rank 26 of 435).
- Widest gap: net interest margin trails 66% of credit unions $1B-$10B in assets (rank 287 of 435).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.60%
Rank 26 of 435
Net Interest Margin
3.16%
Rank 287 of 435
Efficiency Ratio
61.40%
Rank 75 of 435
Equity / Assets
14.52%
Rank 44 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.60% | 0.55% | 0.81% | 1.14% | Beats 94% | 26 / 435 | | |
| Return on Equity | 11.00% | 5.12% | 7.41% | 9.70% | Beats 85% | 67 / 435 | | |
| Net Interest Margin | 3.16% | 3.01% | 3.39% | 3.75% | Beats 34% | 287 / 435 | | |
| Efficiency Ratio | 61.40% | 65.25% | 71.39% | 77.86% | Beats 83% | 75 / 435 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.68% | 0.45% | 0.69% | 1.05% | Beats 51% | 215 / 435 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 14.52% | 9.81% | 10.84% | 12.63% | Beats 90% | 44 / 435 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 14.52% | 9.81% | 10.84% | 12.63% | Beats 90% | 44 / 435 | | |
| Liquidity & Funding |
| Loans / Deposits | 56.24% | 78.33% | 88.38% | 95.61% | 5th pctl | 414 / 435 | | |
| Loans / Assets | 48.51% | 67.69% | 74.58% | 80.80% | 5th pctl | 415 / 435 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |