Rocket City
Huntsville, AL · Charter 9662 · Peer group: credit unions under $1B in assets in the Birmingham, AL area (n=29)
NCUA · 1 branch
Q2 2026
$69.1MAssets
$30.2MLoans
$57.4MShares
$11.9MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 90% of credit unions under $1B in assets in the Birmingham, AL area (rank 4 of 29).
- Widest gap: net interest margin trails 45% of credit unions under $1B in assets in the Birmingham, AL area (rank 13 of 29).
- Overall: at or above the peer median on 7 of 7 directional measures.
Return on Assets
1.45%
Rank 4 of 29
Net Interest Margin
4.03%
Rank 13 of 29
Efficiency Ratio
69.23%
Rank 10 of 29
Equity / Assets
17.25%
Rank 11 of 29
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.45% | 0.26% | 0.65% | 1.06% | Beats 86% | 4 / 29 | |
| Return on Equity | 8.42% | 2.33% | 4.15% | 7.02% | Beats 79% | 6 / 29 | |
| Net Interest Margin | 4.03% | 3.29% | 3.80% | 4.67% | Beats 55% | 13 / 29 | |
| Efficiency Ratio | 69.23% | 67.71% | 81.00% | 89.29% | Beats 69% | 10 / 29 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.17% | 0.40% | 1.03% | 1.72% | Beats 90% | 4 / 29 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 17.25% | 10.13% | 13.97% | 19.12% | Beats 62% | 11 / 29 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 17.25% | 10.13% | 13.97% | 19.12% | Beats 62% | 11 / 29 | |
| Liquidity & Funding |
| Loans / Deposits | 52.64% | 40.72% | 55.53% | 68.24% | 45th pctl | 16 / 29 | |
| Loans / Assets | 43.68% | 35.46% | 45.52% | 58.70% | 45th pctl | 16 / 29 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |