Andalusia Mills Employees Credit as

ANDALUSIA, AL · 1 · Charter #23990
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$3.0M
17th percentile
Members
867
32th percentile
Total loans
$914.7K
14th percentile
Total shares
$2.4M
18th percentile

Profitability

Return on assets
0.72%
45th percentile
Net interest margin
3.85%
45th percentile
Efficiency ratio
77.73%
28th percentile
Non-interest income ratio
12.24%
60th percentile

Capital & Risk

Net worth ratio
21.36%
78th percentile
Delinquency rate
0.20%
71th percentile
Net charge-off rate
-0.27%
98th percentile
Loan-to-share
38.47%
20th percentile

Growth

Member growth YoY
5.09%
94th percentile
Asset growth YoY
10.88%
93th percentile
Loan growth YoY
-5.98%
37th percentile
Share growth YoY
13.11%
95th percentile

Operations

Members / branch
289
12th percentile
Assets / member
$3,508
9th percentile
Field of membership penetration
30.42%
44th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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