University of South Alabama

MOBILE, AL · 1 · Charter #13659 · www.usafedcu.com
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
$55.2M
6th percentile
Members
8,400
57th percentile
Total loans
$25.4M
9th percentile
Total shares
$46.2M
6th percentile

Profitability

Return on assets
2.52%
98th percentile
Net interest margin
4.15%
77th percentile
Efficiency ratio
44.94%
90th percentile
Non-interest income ratio
17.36%
51th percentile

Capital & Risk

Net worth ratio
15.51%
79th percentile
Delinquency rate
0.35%
76th percentile
Net charge-off rate
0.60%
24th percentile
Loan-to-share
55.02%
27th percentile

Growth

Member growth YoY
-0.65%
50th percentile
Asset growth YoY
-0.22%
19th percentile
Loan growth YoY
-12.86%
2th percentile
Share growth YoY
-3.21%
8th percentile

Operations

Members / branch
2,800
42th percentile
Assets / member
$6,573
1th percentile
Field of membership penetration
33.60%
81th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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