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Etowah Steelworkers

Gadsden, AL · Charter 97076

NCUA · 9 branches

Q1 2025

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets3

Basis

Quarter: Q1 2025, the quarter ended March 31, 2025, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Credit unions under $1B in assets (n=1,675 to 1,678). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

25

Q2 2024Q1 2025peer median (50)

Asset Quality

42

Q2 2024Q1 2025peer median (50)

Profitability

37

Q2 2024Q1 2025peer median (50)

Liquidity

82

Q2 2024Q1 2025peer median

Efficiency

51

Q2 2024Q1 2025peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Etowah Steelworkers

Gadsden, AL · Charter 97076

NCUA · 9 branches

Q1 2025

$456.9MAssets
$276.7MLoans
$425.9MShares
$45.8MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.55%, up 24 bps year over year; NIM at 2.93%.
  • Asset quality: problem loans at 0.74% of loans (+34 bps YoY).
  • Capital: net worth / assets of 10.02%, down 73 bps from a year ago.
  • Funding: loans stand at 64.97% of shares as of Q1 2025.

Financial Results

Return on Assets (YTD, annualized)

0.55%+24 bps YoY

Net Interest Margin (YTD, annualized)

2.93%-6 bps YoY

Efficiency Ratio (YTD, annualized)

78.68%-733 bps YoY

Net Worth / Assets

10.02%-73 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2024Q2 2024Q3 2024Q4 2024Q1 2025YoY ΔTrend
Earnings
Return on Assets0.31%0.43%0.62%0.59%0.55%+24 bps
Return on Equity2.87%4.12%6.03%5.73%5.50%+263 bps
Net Interest Margin2.99%2.91%2.82%2.83%2.93%-6 bps
Efficiency Ratio86.01%82.26%79.62%80.36%78.68%-733 bps
Growth
Asset Growth (YoY)1.45%5.03%10.47%12.02%14.52%+1,308 bps
Loan Growth (YoY)4.20%2.68%2.08%2.03%1.78%-241 bps
Share Growth (YoY)4.94%8.37%11.46%14.56%11.90%+696 bps
Asset Quality
Delinquent Loans / Loans0.41%0.45%0.35%0.55%0.74%+34 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.74%10.50%10.26%10.24%10.02%-73 bps
Net Worth / Assets10.74%10.50%10.26%10.24%10.02%-73 bps
Liquidity & Funding
Loans / Shares71.43%70.68%68.65%67.09%64.97%-646 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Etowah Steelworkers

Gadsden, AL · Charter 97076 · Peer group: credit unions under $1B in assets (n=1,675-1,678)

NCUA · 9 branches

Q1 2025

$456.9MAssets
$276.7MLoans
$425.9MShares
$45.8MNet Worth

Executive Summary

  • Strongest standing: return on equity outperforms 51% of credit unions under $1B in assets (rank 823 of 1675).
  • Widest gap: net interest margin trails 82% of credit unions under $1B in assets (rank 1382 of 1677).
  • Overall: at or above the peer median on 2 of 7 directional measures.

Return on Assets

0.55%

Rank 966 of 1,678

Net Interest Margin

2.93%

Rank 1,382 of 1,677

Efficiency Ratio

78.68%

Rank 829 of 1,675

Equity / Assets

10.02%

Rank 1,258 of 1,677

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.55%0.24%0.67%1.21%Beats 42%966 / 1,678
Return on Equity5.50%1.96%5.37%8.99%Beats 51%823 / 1,675
Net Interest Margin2.93%3.12%3.67%4.25%Beats 18%1,382 / 1,677
Efficiency Ratio78.68%68.92%78.89%88.44%Beats 51%829 / 1,675
Asset Quality
Nonperforming Loans / Loans0.74%0.21%0.58%1.19%Beats 42%979 / 1,676
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio10.02%10.02%12.33%15.89%Beats 25%1,258 / 1,678
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets10.02%10.02%12.33%15.89%Beats 25%1,258 / 1,677
Liquidity & Funding
Loans / Deposits64.97%54.28%70.33%83.29%40th pctl999 / 1,677
Loans / Assets60.56%46.21%59.98%70.96%51st pctl818 / 1,677
Brokered Deposits / Depositsn/aNot reported for this institution