Alabama Central

Birmingham, AL · 2 · Charter #60712 · www.alabamacentral.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
$207.6M
91th percentile
Members
18,761
97th percentile
Total loans
$139.7M
93th percentile
Total shares
$174.4M
90th percentile

Profitability

Return on assets
0.76%
32th percentile
Net interest margin
3.86%
61th percentile
Efficiency ratio
69.98%
26th percentile
Non-interest income ratio
20.36%
66th percentile

Capital & Risk

Net worth ratio
9.52%
17th percentile
Delinquency rate
0.34%
78th percentile
Net charge-off rate
0.06%
90th percentile
Loan-to-share
80.07%
71th percentile

Growth

Member growth YoY
-11.46%
2th percentile
Asset growth YoY
3.42%
46th percentile
Loan growth YoY
-5.90%
15th percentile
Share growth YoY
6.59%
75th percentile

Operations

Members / branch
2,085
23th percentile
Assets / member
$11,064
21th percentile
Field of membership penetration
0.61%
8th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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