Alba-Golden

Alba, TX · 1 · Charter #13655 · www.albagoldfcu.virtualcu.n
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
$20.7M
63th percentile
Members
1,543
53th percentile
Total loans
$14.2M
77th percentile
Total shares
$16.9M
62th percentile

Profitability

Return on assets
3.35%
98th percentile
Net interest margin
5.50%
91th percentile
Efficiency ratio
35.83%
95th percentile
Non-interest income ratio
6.13%
37th percentile

Capital & Risk

Net worth ratio
17.30%
63th percentile
Delinquency rate
1.06%
40th percentile
Net charge-off rate
1.41%
11th percentile
Loan-to-share
84.06%
82th percentile

Growth

Member growth YoY
2.19%
85th percentile
Asset growth YoY
12.62%
95th percentile
Loan growth YoY
15.62%
94th percentile
Share growth YoY
13.85%
95th percentile

Operations

Members / branch
1,543
65th percentile
Assets / member
$13,444
79th percentile
Field of membership penetration
90.76%
96th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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