Gadsden, AL · Charter 68744
NCUA · 9 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 under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
25
Asset Quality
50
Profitability
45
Liquidity
99
Efficiency
56
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.
Gadsden, AL · Charter 68744
NCUA · 9 branches
Q2 2026
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 | 0.59% | 0.68% | 0.66% | 0.66% | 0.74% | +16 bps | |
| Return on Equity | 5.70% | 6.50% | 6.17% | 6.30% | 7.14% | +144 bps | |
| Net Interest Margin | 3.05% | 3.13% | 3.22% | 3.26% | 3.25% | +20 bps | |
| Efficiency Ratio | 79.35% | 78.56% | 79.68% | 75.43% | 76.12% | -323 bps | |
| Growth | |||||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | 6.43% | n/a | n/a |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | 7.53% | n/a | n/a |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | 4.91% | n/a | n/a |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.75% | 0.86% | 0.81% | 0.68% | 0.65% | -10 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 | 10.32% | 10.52% | 10.64% | 10.43% | 10.41% | +9 bps | |
| Net Worth / Assets | 10.32% | 10.52% | 10.64% | 10.43% | 10.41% | +9 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 67.95% | 70.34% | 71.36% | 69.42% | 69.64% | +169 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Gadsden, AL · Charter 68744 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 9 branches
Q2 2026
Return on Assets
0.74%
Rank 838 of 1,683
Net Interest Margin
3.25%
Rank 1,306 of 1,683
Efficiency Ratio
76.12%
Rank 735 of 1,682
Equity / Assets
10.41%
Rank 1,265 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.74% | 0.35% | 0.74% | 1.18% | Beats 50% | 838 / 1,683 | ||
| Return on Equity | 7.14% | 2.67% | 5.89% | 8.74% | Beats 62% | 632 / 1,681 | ||
| Net Interest Margin | 3.25% | 3.31% | 3.82% | 4.32% | Beats 22% | 1,306 / 1,683 | ||
| Efficiency Ratio | 76.12% | 68.91% | 78.20% | 86.93% | Beats 56% | 735 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.65% | 0.26% | 0.65% | 1.29% | Beats 50% | 839 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.41% | 10.44% | 12.89% | 16.53% | Beats 25% | 1,265 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.41% | 10.44% | 12.89% | 16.53% | Beats 25% | 1,265 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 69.64% | 52.61% | 69.38% | 83.50% | 51st pctl | 833 / 1,683 | ||
| Loans / Assets | 63.74% | 44.71% | 59.18% | 70.72% | 60th pctl | 673 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||