| Metric | Naheola Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.1% | +3.9% | +4.2 pts |
| Share growth (YoY) | +7.8% | +3.3% | +4.5 pts |
| Loan growth (YoY) | +4.8% | +2.9% | +1.9 pts |
| ROA | 1.48% | 0.69% | +0.8 pts |
| ROE | 8.4% | 5.9% | +2.5 pts |
ROA ranks in the 88th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $218.7M | $179.2M | $157.4M | $38.5M | $810K | 1.48% | 3.81% | 1.64% | 12,848 |
| Q4 2025 | $213.6M | $174.9M | $157.3M | $37.7M | $3.4M | 1.61% | 3.74% | 1.07% | 12,741 |
| Q3 2025 | $214.7M | $176.9M | $155.3M | $36.9M | $2.7M | 1.65% | 3.62% | 0.99% | 12,635 |
| Q2 2025 | $207.3M | $170.0M | $153.8M | $36.1M | $1.8M | 1.73% | 3.61% | 1.21% | 12,527 |
| Q1 2025 | $202.3M | $166.3M | $150.2M | $35.3M | $988K | 1.95% | 3.53% | 1.38% | 12,419 |
| Q4 2024 | $197.0M | $162.0M | $150.0M | $34.3M | $2.3M | 1.15% | 3.45% | 1.28% | 12,326 |
| Q3 2024 | $197.7M | $162.9M | $149.0M | $34.0M | $2.0M | 1.32% | 3.36% | 1.22% | 12,256 |
| Q2 2024 | $194.4M | $155.6M | $148.7M | $33.3M | $1.3M | 1.36% | 3.38% |
| Ratio | Naheola Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.48% | 0.69% | 88th | |
Return on equity Annualized net income ÷ equity or net worth | 8.4% | 5.9% | 71st | |
Net interest margin Interest income − interest expense, ÷ assets | 3.81% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.45% |
| 12,129 |
Loan mix (Q1 2026): real estate $72.1M · commercial $57.5M · consumer $20.0M · securities $29.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.3% | 78.7% | 9th |
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 | Naheola 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 | Naheola 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 | Naheola 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 | Naheola 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 | Naheola 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.
4 branches in 3 counties across 1 state (+0 vs 2024). Biggest market: Choctaw, AL, ranked 3rd with 24.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Choctaw, AL | 2 | $85.0M* | 23.96% | 3rd |
| Marengo, AL | 1 | $42.5M* | 6.68% | 5th |
| Sumter, AL | 1 | $42.5M* | 12.77% | 4th |
Alabama: 118th with 0.10% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 4 · 2023 4 · 2024 4 · 2025 4