| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.3% | +5.1% | +3.1 pts |
| Share growth (YoY) | +8.1% | +4.9% | +3.3 pts |
| Loan growth (YoY) | +12.2% | +5.4% | +6.8 pts |
| ROA | 0.54% | 0.71% | -0.2 pts |
| ROE | 6.1% | 6.3% | -0.2 pts |
ROA ranks in the 35th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.51B | $1.36B | $1.08B | $135.6M | $2.1M | 0.54% | 2.78% | 0.68% | 97,352 |
| Q4 2025 | $1.48B | $1.33B | $1.06B | $130.3M | $5.5M | 0.37% | 2.53% | 0.92% | 96,201 |
| Q3 2025 | $1.45B | $1.31B | $1.02B | $129.8M | $3.6M | 0.33% | 2.50% | 0.83% | 96,912 |
| Q2 2025 | $1.44B | $1.29B | $989.1M | $128.5M | $2.0M | 0.28% | 2.41% | 0.81% | 95,733 |
| Q1 2025 | $1.39B | $1.25B | $959.2M | $127.2M | $850K | 0.24% | 2.38% | 0.69% | 94,589 |
| Q4 2024 | $1.33B | $1.19B | $943.6M | $126.5M | $4.2M | 0.31% | 2.38% | 1.15% | 93,724 |
| Q3 2024 | $1.28B | $1.14B | $917.1M | $123.2M | $3.4M | 0.36% | 2.47% | 0.79% | 93,807 |
| Q2 2024 | $1.24B | $1.12B | $908.5M | $102.3M | $3.3M | 0.54% | 2.54% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Alabama One Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.54% | 0.71% | 35th | |
Return on equity Annualized net income ÷ equity or net worth | 6.1% | 6.3% | 47th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.78% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.87% |
| 92,695 |
Loan mix (Q1 2026): real estate $394.6M · commercial $356.2M · consumer $254.0M · securities $115.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.0% | 73.0% | 82nd |
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 One 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 One Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | Alabama One 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 One 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 One 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.
29 branches in 14 counties across 1 state (+5 vs 2024). Biggest market: Tuscaloosa, AL, ranked 5th with 9.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Tuscaloosa, AL | 11 | $490.2M* | 9.54% | 5th |
| Montgomery, AL | 2 | $89.1M* | 1.05% | 17th |
| Pickens, AL | 2 | $89.1M* | 15.89% | 3rd |
| 11 more counties with Pro → | ||||
Alabama: 25th with 0.80% · Tuscaloosa metro: 3rd, 9.41% · Montgomery metro: 17th, 1.13% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 18 · 2023 18 · 2024 24 · 2025 29