| Metric | Alabama Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.3% | +5.1% | -0.8 pts |
| Share growth (YoY) | +4.4% | +4.9% | -0.5 pts |
| Loan growth (YoY) | -0.1% | +5.4% | -5.5 pts |
| ROA | 0.68% | 0.71% | -0.0 pts |
| ROE | 6.9% | 6.3% | +0.6 pts |
ROA ranks in the 48th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.06B | $1.80B | $1.55B | $205.5M | $3.5M | 0.68% | 2.58% | 0.79% | 152,671 |
| Q4 2025 | $2.05B | $1.75B | $1.58B | $202.0M | $13.0M | 0.63% | 2.57% | 0.91% | 156,023 |
| Q3 2025 | $2.06B | $1.76B | $1.59B | $200.0M | $11.0M | 0.71% | 2.52% | 0.77% | 154,650 |
| Q2 2025 | $2.03B | $1.73B | $1.65B | $195.8M | $8.6M | 0.85% | 2.47% | 0.83% | 157,088 |
| Q1 2025 | $1.98B | $1.73B | $1.55B | $189.9M | $2.6M | 0.54% | 2.43% | 1.04% | 146,718 |
| Q4 2024 | $1.95B | $1.70B | $1.53B | $187.2M | $4.1M | 0.21% | 2.43% | 1.25% | 146,856 |
| Q3 2024 | $1.92B | $1.64B | $1.50B | $182.8M | $-343K | -0.02% | 2.48% | 1.25% | 146,607 |
| Q2 2024 | $1.93B | $1.62B | $1.48B | $181.8M | $-1.9M | -0.19% | 2.53% |
| Ratio | Alabama Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.68% | 0.71% | 48th | |
Return on equity Annualized net income ÷ equity or net worth | 6.9% | 6.3% | 54th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.58% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 1.14% |
| 163,816 |
Loan mix (Q1 2026): real estate $270.7M · commercial $416.3M · consumer $330.7M · securities $177.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.3% | 73.0% | 74th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Alabama Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Alabama Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Alabama Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Alabama Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.