Legacy Community

BIRMINGHAM, AL · 1 · Charter #24421 · www.legacycreditunion.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
$734.0M
81th percentile
Members
29,974
53th percentile
Total loans
$439.2M
73th percentile
Total shares
$636.0M
84th percentile

Profitability

Return on assets
1.15%
63th percentile
Net interest margin
2.57%
9th percentile
Efficiency ratio
50.91%
78th percentile
Non-interest income ratio
23.42%
75th percentile

Capital & Risk

Net worth ratio
12.74%
74th percentile
Delinquency rate
0.91%
33th percentile
Net charge-off rate
0.39%
53th percentile
Loan-to-share
69.06%
25th percentile

Growth

Member growth YoY
-22.89%
0th percentile
Asset growth YoY
14.17%
95th percentile
Loan growth YoY
13.84%
90th percentile
Share growth YoY
12.81%
94th percentile

Operations

Members / branch
2,725
12th percentile
Assets / member
$24,489
90th percentile
Field of membership penetration
2.35%
32th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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