Lakehurst Naval
Joint Base MDL, NJ · Charter 7958 · Peer group: credit unions under $1B in assets in the Birmingham, AL area (n=29)
NCUA · 2 branches
Q2 2026
$37.9MAssets
$9.1MLoans
$33.0MShares
$4.8MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 90% of credit unions under $1B in assets in the Birmingham, AL area (rank 4 of 29).
- Widest gap: nonperforming loans / loans trails 79% of credit unions under $1B in assets in the Birmingham, AL area (rank 24 of 29).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
1.30%
Rank 6 of 29
Net Interest Margin
3.45%
Rank 18 of 29
Efficiency Ratio
60.51%
Rank 4 of 29
Equity / Assets
12.54%
Rank 18 of 29
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.30% | 0.26% | 0.65% | 1.06% | Beats 79% | 6 / 29 | | |
| Return on Equity | 10.34% | 2.33% | 4.15% | 7.02% | Beats 86% | 4 / 29 | | |
| Net Interest Margin | 3.45% | 3.29% | 3.80% | 4.67% | Beats 38% | 18 / 29 | | |
| Efficiency Ratio | 60.51% | 67.71% | 81.00% | 89.29% | Beats 90% | 4 / 29 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 3.50% | 0.40% | 1.03% | 1.72% | Beats 21% | 24 / 29 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.54% | 10.13% | 13.97% | 19.12% | Beats 38% | 18 / 29 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.54% | 10.13% | 13.97% | 19.12% | Beats 38% | 18 / 29 | | |
| Liquidity & Funding |
| Loans / Deposits | 27.51% | 40.72% | 55.53% | 68.24% | 7th pctl | 27 / 29 | | |
| Loans / Assets | 23.96% | 35.46% | 45.52% | 58.70% | 10th pctl | 26 / 29 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |