Alabama One
Tuscaloosa, AL · Charter 68595 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 29 branches
Q2 2026
$1.5BAssets
$1.1BLoans
$1.4BShares
$138.1MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 38% of credit unions $1B-$10B in assets (rank 269 of 435).
- Widest gap: equity / assets trails 88% of credit unions $1B-$10B in assets (rank 384 of 435).
- Overall: at or above the peer median on 0 of 7 directional measures.
Return on Assets
0.59%
Rank 312 of 435
Net Interest Margin
2.85%
Rank 361 of 435
Efficiency Ratio
81.45%
Rank 376 of 435
Equity / Assets
9.08%
Rank 384 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.59% | 0.55% | 0.81% | 1.14% | Beats 28% | 312 / 435 | |
| Return on Equity | 6.48% | 5.12% | 7.41% | 9.70% | Beats 38% | 269 / 435 | |
| Net Interest Margin | 2.85% | 3.01% | 3.39% | 3.75% | Beats 17% | 361 / 435 | |
| Efficiency Ratio | 81.45% | 65.25% | 71.39% | 77.86% | Beats 14% | 376 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.85% | 0.45% | 0.69% | 1.05% | Beats 37% | 277 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.08% | 9.81% | 10.84% | 12.63% | Beats 12% | 384 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.08% | 9.81% | 10.84% | 12.63% | Beats 12% | 384 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 82.23% | 78.33% | 88.38% | 95.61% | 34th pctl | 289 / 435 | |
| Loans / Assets | 73.66% | 67.69% | 74.58% | 80.80% | 46th pctl | 236 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |