Electrical
Arvada, CO · Charter 8701 · Peer group: credit unions under $1B in assets in the Birmingham, AL area (n=29)
NCUA · 2 branches
Q2 2026
$54.3MAssets
$24.7MLoans
$47.1MShares
$7.1MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 72% of credit unions under $1B in assets in the Birmingham, AL area (rank 9 of 29).
- Widest gap: net interest margin trails 72% of credit unions under $1B in assets in the Birmingham, AL area (rank 21 of 29).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.73%
Rank 13 of 29
Net Interest Margin
3.35%
Rank 21 of 29
Efficiency Ratio
72.58%
Rank 11 of 29
Equity / Assets
12.99%
Rank 17 of 29
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.73% | 0.26% | 0.65% | 1.06% | Beats 55% | 13 / 29 | |
| Return on Equity | 5.61% | 2.33% | 4.15% | 7.02% | Beats 59% | 12 / 29 | |
| Net Interest Margin | 3.35% | 3.29% | 3.80% | 4.67% | Beats 28% | 21 / 29 | |
| Efficiency Ratio | 72.58% | 67.71% | 81.00% | 89.29% | Beats 66% | 11 / 29 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.75% | 0.40% | 1.03% | 1.72% | Beats 72% | 9 / 29 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.99% | 10.13% | 13.97% | 19.12% | Beats 41% | 17 / 29 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.99% | 10.13% | 13.97% | 19.12% | Beats 41% | 17 / 29 | |
| Liquidity & Funding |
| Loans / Deposits | 52.50% | 40.72% | 55.53% | 68.24% | 41st pctl | 17 / 29 | |
| Loans / Assets | 45.52% | 35.46% | 45.52% | 58.70% | 48th pctl | 15 / 29 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |