Family Savings
Rainbow City, AL · Charter 68628 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 15 branches
Q2 2026
$1.2BAssets
$968.4MLoans
$999.6MShares
$104.2MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 84% of credit unions $1B-$10B in assets (rank 68 of 435).
- Widest gap: efficiency ratio trails 92% of credit unions $1B-$10B in assets (rank 402 of 435).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.65%
Rank 293 of 435
Net Interest Margin
3.93%
Rank 68 of 435
Efficiency Ratio
85.05%
Rank 402 of 435
Equity / Assets
8.86%
Rank 395 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.65% | 0.55% | 0.81% | 1.14% | Beats 33% | 293 / 435 | |
| Return on Equity | 7.37% | 5.12% | 7.41% | 9.70% | Beats 50% | 219 / 435 | |
| Net Interest Margin | 3.93% | 3.01% | 3.39% | 3.75% | Beats 84% | 68 / 435 | |
| Efficiency Ratio | 85.05% | 65.25% | 71.39% | 77.86% | Beats 8% | 402 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.03% | 0.45% | 0.69% | 1.05% | Beats 26% | 321 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 8.86% | 9.81% | 10.84% | 12.63% | Beats 9% | 395 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 8.86% | 9.81% | 10.84% | 12.63% | Beats 9% | 395 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 96.88% | 78.33% | 88.38% | 95.61% | 78th pctl | 95 / 435 | |
| Loans / Assets | 82.32% | 67.69% | 74.58% | 80.80% | 84th pctl | 69 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |