Councill
Normal, AL · Charter 9554 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$2.8MAssets
$661KLoans
$2.4MShares
$443KNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 100% of credit unions under $1B in assets (rank 7 of 1682).
- Widest gap: nonperforming loans / loans trails 89% of credit unions under $1B in assets (rank 1501 of 1682).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
2.56%
Rank 24 of 1,683
Net Interest Margin
3.48%
Rank 1,136 of 1,683
Efficiency Ratio
32.08%
Rank 7 of 1,682
Equity / Assets
15.73%
Rank 475 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.56% | 0.35% | 0.74% | 1.18% | Beats 99% | 24 / 1,683 | | |
| Return on Equity | 16.25% | 2.67% | 5.89% | 8.74% | Beats 98% | 33 / 1,681 | | |
| Net Interest Margin | 3.48% | 3.31% | 3.82% | 4.32% | Beats 33% | 1,136 / 1,683 | | |
| Efficiency Ratio | 32.08% | 68.91% | 78.20% | 86.93% | Beats 100% | 7 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.42% | 0.26% | 0.65% | 1.29% | Beats 11% | 1,501 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 15.73% | 10.44% | 12.89% | 16.53% | Beats 72% | 475 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 15.73% | 10.44% | 12.89% | 16.53% | Beats 72% | 475 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 27.03% | 52.61% | 69.38% | 83.50% | 4th pctl | 1,619 / 1,683 | | |
| Loans / Assets | 23.47% | 44.71% | 59.18% | 70.72% | 5th pctl | 1,606 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |