Alabama Postal

Birmingham, AL · 2 · Charter #64645 · www.alabamapostalcu.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
$6.4M
30th percentile
Members
904
34th percentile
Total loans
$2.3M
25th percentile
Total shares
$3.6M
23th percentile

Profitability

Return on assets
2.24%
94th percentile
Net interest margin
5.72%
93th percentile
Efficiency ratio
51.34%
81th percentile
Non-interest income ratio
2.44%
21th percentile

Capital & Risk

Net worth ratio
43.65%
98th percentile
Delinquency rate
2.66%
18th percentile
Net charge-off rate
-0.09%
95th percentile
Loan-to-share
63.81%
54th percentile

Growth

Member growth YoY
1.92%
83th percentile
Asset growth YoY
7.78%
87th percentile
Loan growth YoY
2.40%
71th percentile
Share growth YoY
9.79%
91th percentile

Operations

Members / branch
904
43th percentile
Assets / member
$7,062
31th percentile
Field of membership penetration
45.20%
61th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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