| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.5% | +1.3% | +5.2 pts |
| Share growth (YoY) | +6.3% | +0.9% | +5.4 pts |
| Loan growth (YoY) | -11.5% | -2.6% | -8.9 pts |
| ROA | 1.00% | 0.65% | +0.4 pts |
| ROE | 6.6% | 4.4% | +2.2 pts |
ROA ranks in the 68th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $47.2M | $39.8M | $20.1M | $7.2M | $237K | 1.00% | 4.13% | 1.57% | 4,372 |
| Q1 2026 | $46.1M | $38.8M | $20.5M | $7.1M | $120K | 1.04% | 4.16% | 3.40% | 4,379 |
| Q4 2025 | $45.1M | $37.9M | $21.0M | $6.9M | $438K | 0.97% | 4.39% | 1.20% | 4,441 |
| Q3 2025 | $45.1M | $38.0M | $22.0M | $6.9M | $353K | 1.04% | 4.38% | 1.27% | 4,562 |
| Q2 2025 | $44.3M | $37.4M | $22.8M | $6.8M | $218K | 0.98% | 4.39% | 0.86% | 4,625 |
| Q1 2025 | $45.0M | $38.1M | $23.7M | $7.4M | $94K | 0.84% | 4.25% | 1.02% | 4,660 |
| Q4 2024 | $43.1M | $36.2M | $24.5M | $6.9M | $288K | 0.67% | 4.30% | 1.79% | 4,733 |
| Q3 2024 | $43.1M | $36.2M | $24.9M | $6.7M | $201K | 0.62% | 4.27% | 1.47% |
| Ratio | Azalea City Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.00% | 0.65% | 68th | |
Return on equity Annualized net income ÷ equity or net worth | 6.6% | 4.4% | 67th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.13% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 4,821 |
| Q2 2024 | $43.6M | $36.8M | $26.0M | $6.6M | $145K | 0.66% | 4.15% | 2.79% | 4,843 |
Loan mix (Q2 2026): real estate $3.4M · commercial $125K · consumer $12.6M · securities $11.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.2% | 80.6% | 51st |
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 | Azalea City 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 | Azalea City 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 | Azalea City 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 | Azalea City 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 | Azalea City 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.
5 branches in 3 counties across 1 state (+0 vs 2025). Biggest market: Mobile, AL, ranked 39th with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Mobile, AL | 3 | $23.9M* | 0.19% | 39th |
| Clarke, AL | 1 | $8.0M* | 0.92% | 9th |
| Washington, AL | 1 | $8.0M* | 2.90% | 4th |
Alabama: 180th with 0.02% · Mobile metro: 39th, 0.19% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 5 · 2025 5 · 2026 5