East Alabama Community

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

$20.1M

62^th percentile

Members

3,001

84^th percentile

Total loans

$5.6M

48^th percentile

Total shares

$17.2M

63^th percentile

Profitability

Return on assets

0.38%

30^th percentile

Net interest margin

3.02%

20^th percentile

Efficiency ratio

86.32%

16^th percentile

Non-interest income ratio

37.70%

96^th percentile

Capital & Risk

Net worth ratio

14.49%

47^th percentile

Delinquency rate

0.20%

71^th percentile

Net charge-off rate

-0.02%

92^th percentile

Loan-to-share

32.93%

14^th percentile

Growth

Member growth YoY

-2.02%

43^th percentile

Asset growth YoY

1.32%

51^th percentile

Loan growth YoY

-3.23%

49^th percentile

Share growth YoY

1.25%

55^th percentile

Operations

Members / branch

1,000

46^th percentile

Assets / member

$6,702

28^th percentile

Field of membership penetration

1.84%

10^th percentile

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