Montgomery Va Federal Credit Union
Total assets
$6.0M
▼ -11.7% YoY
Shares & deposits
$5.3M
▼ -12.3% YoY
Loans
$1.3M
▼ -32.8% YoY
Members
729
▼ -7.1% YoY
ROA (annualized)
-0.36%
peers 0.60%
ROE (annualized)
-2.92%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -11.7% | +1.3% | -13.0 pts |
| Share growth (YoY) | -12.3% | +0.7% | -13.0 pts |
| Loan growth (YoY) | -32.8% | -2.4% | -30.5 pts |
| ROA | -0.36% | 0.60% | -1.0 pts |
| ROE | -2.9% | 4.1% | -7.0 pts |
ROA ranks in the 15th percentile of its peer group · Q1 2026
Profile
- Established
- 1946
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 2
- Address
- 345 Perry Hill Rd, Montgomery, AL, 36109
- NCUA charter #
- 5345
- RSSD ID
- 965976
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $6.0M | $5.3M | $1.3M | $734K | $-5K | -0.36% | 3.92% | 0.49% | 729 |
| Q4 2025 | $6.4M | $5.7M | $1.5M | $741K | $-16K | -0.25% | 3.98% | 3.56% | 747 |
| Q3 2025 | $6.4M | $5.6M | $1.7M | $732K | $-24K | -0.51% | 4.26% | 3.23% | 755 |
| Q2 2025 | $6.7M | $5.9M | $1.8M | $739K | $-18K | -0.53% | 4.08% | 3.79% | 777 |
| Q1 2025 | $6.8M | $6.0M | $2.0M | $744K | $-13K | -0.74% | 4.03% | 3.76% | 785 |
| Q4 2024 | $6.8M | $6.0M | $2.0M | $757K | $-57K | -0.85% | 3.97% | 4.01% | 794 |
| Q3 2024 | $6.6M | $5.8M | $2.1M | $758K | $-56K | -1.13% | 4.06% | 2.71% | 803 |
| Q2 2024 | $6.8M | $6.0M | $2.1M | $776K | $-38K | -1.12% | 3.85% | 3.90% | 813 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $1.3M · securities $2.1M
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.36% | 0.60% | 15th | |
Return on equity Annualized net income ÷ equity or net worth | -2.9% | 4.1% | 14th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.92% | 3.83% | 55th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 120.6% | 81.5% | 95th | |
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% |
Balance sheet
| Ratio | Value | 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% |
Capital
| Ratio | Value | 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% |
Credit quality
| Ratio | Value | 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% |
Franchise
| Ratio | Value | 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% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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