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
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.55% | 0.24% | 0.67% | 1.21% | Beats 42% | 966 / 1,678 | | |
| Return on Equity | 5.50% | 1.96% | 5.37% | 8.99% | Beats 51% | 823 / 1,675 | | |
| Net Interest Margin | 2.93% | 3.12% | 3.67% | 4.25% | Beats 18% | 1,382 / 1,677 | | |
| Efficiency Ratio | 78.68% | 68.92% | 78.89% | 88.44% | Beats 51% | 829 / 1,675 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.74% | 0.21% | 0.58% | 1.19% | Beats 42% | 979 / 1,676 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.02% | 10.02% | 12.33% | 15.89% | Beats 25% | 1,258 / 1,678 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.02% | 10.02% | 12.33% | 15.89% | Beats 25% | 1,258 / 1,677 | | |
| Liquidity & Funding |
| Loans / Deposits | 64.97% | 54.28% | 70.33% | 83.29% | 40th pctl | 999 / 1,677 | | |
| Loans / Assets | 60.56% | 46.21% | 59.98% | 70.96% | 51st pctl | 818 / 1,677 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |