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S R I Employees

Birmingham, AL · Charter 11123

NCUA · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Birmingham, AL area3

Basis

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.

Peer group

Credit unions under $1B in assets in the Birmingham, AL area (n=29). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

93

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

10

Q2 2024Q2 2026peer median (50)

Liquidity

14

Q2 2024Q2 2026peer median

Efficiency

28

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

S R I Employees

Birmingham, AL · Charter 11123

NCUA · 2 branches

Q2 2026

$3.7MAssets
$749KLoans
$2.3MShares
$1.4MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.12%, up 25 bps year over year; NIM at 2.75%.
  • Asset quality: problem loans at 0.00% of loans (-17 bps YoY).
  • Capital: net worth / assets of 38.07%, up 154 bps from a year ago.
  • Funding: loans stand at 32.96% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.12%+25 bps YoY

Net Interest Margin (YTD, annualized)

2.75%-31 bps YoY

Efficiency Ratio (YTD, annualized)

89.94%-1,230 bps YoY

Net Worth / Assets

38.07%+154 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.13%-0.13%0.09%-0.03%0.12%+25 bps
Return on Equity-0.34%-0.33%0.23%-0.07%0.32%+66 bps
Net Interest Margin3.06%2.91%2.99%2.47%2.75%-31 bps
Efficiency Ratio102.23%102.93%97.08%101.05%89.94%-1,230 bps
Growth
Asset Growth (YoY)-1.95%-4.01%-2.67%-5.32%-3.66%-171 bps
Loan Growth (YoY)0.26%21.61%46.10%45.52%47.98%+4,772 bps
Share Growth (YoY)-3.06%-6.11%-4.60%-9.11%-6.37%-331 bps
Asset Quality
Delinquent Loans / Loans0.17%0.00%0.43%0.00%0.00%-17 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.97%0.68%0.57%0.16%0.61%-36 bps
Capital
Risk-Based Capital36.53%37.62%37.55%38.55%38.07%+154 bps
Net Worth / Assets36.53%37.62%37.55%38.55%38.07%+154 bps
Liquidity & Funding
Loans / Shares20.85%29.39%35.32%35.14%32.96%+1,211 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-10

S R I Employees

Birmingham, AL · Charter 11123 · Peer group: credit unions under $1B in assets in the Birmingham, AL area (n=29)

NCUA · 2 branches

Q2 2026

$3.7MAssets
$749KLoans
$2.3MShares
$1.4MNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of credit unions under $1B in assets in the Birmingham, AL area (rank 1 of 29).
  • Widest gap: net interest margin trails 97% of credit unions under $1B in assets in the Birmingham, AL area (rank 28 of 29).
  • Overall: at or above the peer median on 3 of 7 directional measures.

Return on Assets

0.11%

Rank 25 of 29

Net Interest Margin

2.76%

Rank 28 of 29

Efficiency Ratio

89.29%

Rank 22 of 29

Equity / Assets

38.07%

Rank 2 of 29

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.11%0.26%0.65%1.06%Beats 14%25 / 29
Return on Equity0.28%2.33%4.15%7.02%Beats 14%25 / 29
Net Interest Margin2.76%3.29%3.80%4.67%Beats 3%28 / 29
Efficiency Ratio89.29%67.71%81.00%89.29%Beats 28%22 / 29
Asset Quality
Nonperforming Loans / Loans0.00%0.40%1.03%1.72%Beats 100%1 / 29
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio38.07%10.13%13.97%19.12%Beats 93%2 / 29
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets38.07%10.13%13.97%19.12%Beats 93%2 / 29
Liquidity & Funding
Loans / Deposits32.95%40.72%55.53%68.24%14th pctl25 / 29
Loans / Assets20.29%35.46%45.52%58.70%7th pctl27 / 29
Brokered Deposits / Depositsn/aNot reported for this institution