North Alabama Papermakers

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

$2.1M

13^th percentile

Members

330

11^th percentile

Total loans

$1.2M

17^th percentile

Total shares

$1.5M

12^th percentile

Profitability

Return on assets

0.79%

49^th percentile

Net interest margin

4.93%

81^th percentile

Efficiency ratio

83.21%

19^th percentile

Non-interest income ratio

4.63%

33^th percentile

Capital & Risk

Net worth ratio

27.11%

89^th percentile

Delinquency rate

0.00%

100^th percentile

Net charge-off rate

0.76%

23^th percentile

Loan-to-share

82.76%

80^th percentile

Growth

Member growth YoY

2.17%

85^th percentile

Asset growth YoY

-8.94%

7^th percentile

Loan growth YoY

1.21%

67^th percentile

Share growth YoY

-13.09%

4^th percentile

Operations

Members / branch

330

15^th percentile

Assets / member

$6,254

25^th percentile

Field of membership penetration

36.46%

51^th percentile

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