Avadian
Birmingham, AL · Charter 68583 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 19 branches
Q2 2026
$1.4BAssets
$1.1BLoans
$1.3BShares
$147.1MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 79% of credit unions $1B-$10B in assets (rank 93 of 435).
- Widest gap: equity / assets trails 64% of credit unions $1B-$10B in assets (rank 278 of 435).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
1.06%
Rank 129 of 435
Net Interest Margin
3.54%
Rank 169 of 435
Efficiency Ratio
73.06%
Rank 243 of 435
Equity / Assets
10.31%
Rank 278 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.06% | 0.55% | 0.81% | 1.14% | Beats 70% | 129 / 435 | | |
| Return on Equity | 10.29% | 5.12% | 7.41% | 9.70% | Beats 79% | 93 / 435 | | |
| Net Interest Margin | 3.54% | 3.01% | 3.39% | 3.75% | Beats 61% | 169 / 435 | | |
| Efficiency Ratio | 73.06% | 65.25% | 71.39% | 77.86% | Beats 44% | 243 / 435 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.46% | 0.45% | 0.69% | 1.05% | Beats 74% | 112 / 435 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.31% | 9.81% | 10.84% | 12.63% | Beats 36% | 278 / 435 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.31% | 9.81% | 10.84% | 12.63% | Beats 36% | 278 / 435 | | |
| Liquidity & Funding |
| Loans / Deposits | 88.95% | 78.33% | 88.38% | 95.61% | 52nd pctl | 207 / 435 | | |
| Loans / Assets | 80.15% | 67.69% | 74.58% | 80.80% | 71st pctl | 126 / 435 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |