Azalea City

MOBILE, AL · 2 · Charter #68224 · www.azaleacitycu.com
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
$45.1M
96th percentile
Members
4,441
96th percentile
Total loans
$21.0M
90th percentile
Total shares
$37.0M
94th percentile

Profitability

Return on assets
1.16%
66th percentile
Net interest margin
4.39%
65th percentile
Efficiency ratio
67.56%
48th percentile
Non-interest income ratio
22.88%
87th percentile

Capital & Risk

Net worth ratio
15.38%
53th percentile
Delinquency rate
1.20%
36th percentile
Net charge-off rate
0.27%
46th percentile
Loan-to-share
56.64%
45th percentile

Growth

Member growth YoY
-6.17%
12th percentile
Asset growth YoY
4.61%
72th percentile
Loan growth YoY
-14.57%
12th percentile
Share growth YoY
4.94%
75th percentile

Operations

Members / branch
888
42th percentile
Assets / member
$10,158
57th percentile
Field of membership penetration
0.64%
4th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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