Northeast Alabama Postal Federal Credit Union

Credit UnionFCUAnniston, AL·Est. 1956·NCUA #11056Compare ⇄▤ Account brief

Total assets

$13.9M

▲ +2.6% YoY

Shares & deposits

$11.7M

▲ +0.3% YoY

Loans

$9.4M

▼ -5.3% YoY

Members

1,234

▼ -1.8% YoY

ROA (annualized)

0.65%

peers 0.60%

ROE (annualized)

4.11%

peers 4.10%

Peer comparison 2,508 credit unions with <100M in assets

Metric	This credit union	Peer median	Δ
Asset growth (YoY)	+2.6%	+1.3%	+1.3 pts
Share growth (YoY)	+0.3%	+0.7%	-0.4 pts
Loan growth (YoY)	-5.3%	-2.4%	-2.9 pts
ROA	0.65%	0.60%	+0.0 pts
ROE	4.1%	4.1%	+0.0 pts

ROA ranks in the 52nd percentile of its peer group · Q1 2026

Quarter	Assets	Shares	Loans	Net worth	Net income YTD	ROA	NIM	Delinquency	Members
Q1 2026	$13.9M	$11.7M	$9.4M	$2.2M	$23K	0.65%	3.27%	0.69%	1,234
Q4 2025	$13.1M	$10.9M	$9.6M	$2.2M	$80K	0.61%	3.72%	1.08%	1,237
Q3 2025	$13.4M	$11.2M	$9.7M	$2.2M	$-15K	-0.15%	3.25%	1.34%	1,247
Q2 2025	$13.6M	$11.4M	$10.0M	$2.2M	$-33K	-0.49%	3.05%	1.46%	1,256
Q1 2025	$13.6M	$11.6M	$9.9M	$1.9M	$-60K	-1.77%	2.81%	1.34%	1,256
Q4 2024	$13.9M	$12.0M	$10.0M	$2.0M	$-347K	-2.49%	2.06%	1.14%	1,229
Q3 2024	$15.1M	$12.8M	$9.2M	$2.4M	$-275K	-2.42%	1.81%	1.01%	1,245
Q2 2024	$15.3M	$12.8M	$8.8M	$2.5M	$-148K	-1.95%	1.74%	0.66%

Loans down·Loans -5.3% YoY — Shrinking book — origination and marketing are on the agenda

Earlier quarters (10)

Profitability

Ratio	Value	Peer median	Peer percentile
Return on assets Annualized net income ÷ assets	0.65%	0.60%	52th
Return on equity Annualized net income ÷ equity or net worth	4.1%	4.1%	50th
Net interest margin Interest income − interest expense, ÷ assets	3.27%	3.83%

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Ratio	Value	Peer median
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	Value	Peer median
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	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%