Mac
Fairbanks, AK · Charter 8080 · Peer group: credit unions under $1B in assets (n=1,674-1,677)
NCUA · 5 branches
Q1 2026
$175.9MAssets
$138.3MLoans
$157.9MShares
$20.0MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 95% of credit unions under $1B in assets (rank 79 of 1676).
- Widest gap: nonperforming loans / loans trails 74% of credit unions under $1B in assets (rank 1248 of 1675).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.96%
Rank 589 of 1,677
Net Interest Margin
5.43%
Rank 79 of 1,676
Efficiency Ratio
69.80%
Rank 451 of 1,674
Equity / Assets
11.40%
Rank 1,065 of 1,676
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.96% | 0.29% | 0.71% | 1.15% | Beats 65% | 589 / 1,677 | |
| Return on Equity | 8.40% | 2.30% | 5.46% | 8.75% | Beats 73% | 460 / 1,674 | |
| Net Interest Margin | 5.43% | 3.27% | 3.78% | 4.29% | Beats 95% | 79 / 1,676 | |
| Efficiency Ratio | 69.80% | 69.04% | 78.86% | 87.73% | Beats 73% | 451 / 1,674 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.13% | 0.23% | 0.59% | 1.15% | Beats 26% | 1,248 / 1,675 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.40% | 10.32% | 12.68% | 16.26% | Beats 36% | 1,066 / 1,677 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.40% | 10.32% | 12.68% | 16.26% | Beats 36% | 1,065 / 1,676 | |
| Liquidity & Funding |
| Loans / Deposits | 87.60% | 52.64% | 68.65% | 82.42% | 85th pctl | 259 / 1,676 | |
| Loans / Assets | 78.66% | 44.39% | 58.63% | 70.08% | 92nd pctl | 139 / 1,676 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |