Anniston, AL · Charter 11056
NCUA · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
61
Asset Quality
31
Profitability
19
Liquidity
95
Efficiency
11
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Anniston, AL · Charter 11056
NCUA · 1 branch
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.42% | -2.49% | -1.77% | -0.49% | -0.15% | 0.61% | 0.65% | 0.37% | +86 bps | |
| Return on Equity | -15.44% | -17.32% | -12.35% | -3.05% | -0.91% | 3.64% | 4.11% | 2.62% | +567 bps | |
| Net Interest Margin | 1.81% | 2.06% | 2.81% | 3.05% | 3.25% | 3.72% | 3.27% | 2.79% | -26 bps | |
| Efficiency Ratio | 227% | 222% | 157.15% | 114.71% | 104.28% | 96.35% | 93.63% | 94.70% | -2,001 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.84% | -5.15% | -9.03% | -11.19% | -11.46% | -5.60% | 2.60% | 15.22% | +2,641 bps | |
| Loan Growth (YoY) | -9.03% | 2.76% | 9.26% | 13.61% | 5.60% | -3.48% | -5.28% | -9.48% | -2,309 bps | |
| Share Growth (YoY) | 3.05% | -2.75% | -7.98% | -11.56% | -12.36% | -8.75% | 0.30% | 17.65% | +2,921 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.01% | 1.14% | 1.34% | 1.46% | 1.34% | 1.08% | 0.69% | 1.06% | -41 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.70% | 14.39% | 14.32% | 16.05% | 16.34% | 16.80% | 15.78% | 14.12% | -193 bps | |
| Net Worth / Assets | 15.70% | 14.39% | 14.32% | 16.05% | 16.34% | 16.80% | 15.78% | 14.12% | -193 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 71.80% | 83.38% | 85.60% | 88.06% | 86.51% | 88.20% | 80.84% | 67.75% | -2,031 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Anniston, AL · Charter 11056 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.37%
Rank 1,242 of 1,683
Net Interest Margin
2.78%
Rank 1,546 of 1,683
Efficiency Ratio
94.83%
Rank 1,505 of 1,682
Equity / Assets
14.12%
Rank 653 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.37% | 0.35% | 0.74% | 1.18% | Beats 26% | 1,242 / 1,683 | ||
| Return on Equity | 2.63% | 2.67% | 5.89% | 8.74% | Beats 24% | 1,273 / 1,681 | ||
| Net Interest Margin | 2.78% | 3.31% | 3.82% | 4.32% | Beats 8% | 1,546 / 1,683 | ||
| Efficiency Ratio | 94.83% | 68.91% | 78.20% | 86.93% | Beats 11% | 1,505 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.06% | 0.26% | 0.65% | 1.29% | Beats 31% | 1,161 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.12% | 10.44% | 12.89% | 16.53% | Beats 61% | 653 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 14.12% | 10.44% | 12.89% | 16.53% | Beats 61% | 653 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 67.75% | 52.61% | 69.38% | 83.50% | 47th pctl | 889 / 1,683 | ||
| Loans / Assets | 58.01% | 44.71% | 59.18% | 70.72% | 48th pctl | 881 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||