Alabama State Employees

Montgomery, AL · 2 · Charter #64598 · www.yourasecu.com
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$442.2M
49th percentile
Members
39,166
74th percentile
Total loans
$248.9M
37th percentile
Total shares
$389.5M
51th percentile

Profitability

Return on assets
1.51%
82th percentile
Net interest margin
3.98%
81th percentile
Efficiency ratio
59.92%
46th percentile
Non-interest income ratio
24.01%
77th percentile

Capital & Risk

Net worth ratio
12.15%
67th percentile
Delinquency rate
0.44%
77th percentile
Net charge-off rate
0.78%
19th percentile
Loan-to-share
63.89%
18th percentile

Growth

Member growth YoY
-5.79%
7th percentile
Asset growth YoY
8.06%
74th percentile
Loan growth YoY
-8.86%
3th percentile
Share growth YoY
7.46%
75th percentile

Operations

Members / branch
4,352
44th percentile
Assets / member
$11,289
8th percentile
Field of membership penetration
6.81%
63th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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