North Alabama Educators

HUNTSVILLE, AL · 2 · Charter #60500 · www.naecu.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$139.3M
68th percentile
Members
10,859
73th percentile
Total loans
$54.6M
45th percentile
Total shares
$129.1M
73th percentile

Profitability

Return on assets
0.57%
20th percentile
Net interest margin
2.75%
11th percentile
Efficiency ratio
66.82%
36th percentile
Non-interest income ratio
18.68%
58th percentile

Capital & Risk

Net worth ratio
7.79%
3th percentile
Delinquency rate
0.46%
68th percentile
Net charge-off rate
0.19%
69th percentile
Loan-to-share
42.24%
10th percentile

Growth

Member growth YoY
0.84%
68th percentile
Asset growth YoY
4.95%
60th percentile
Loan growth YoY
1.73%
53th percentile
Share growth YoY
3.08%
47th percentile

Operations

Members / branch
2,715
40th percentile
Assets / member
$12,827
36th percentile
Field of membership penetration
20.11%
70th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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