Birmingham, AL · Charter 11123
NCUA · 2 branches
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 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.
Capital
93
Asset Quality
100
Profitability
10
Liquidity
14
Efficiency
28
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.
Birmingham, AL · Charter 11123
NCUA · 2 branches
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 | -0.49% | -0.53% | -0.93% | -0.13% | -0.13% | 0.09% | -0.03% | 0.12% | +25 bps | |
| Return on Equity | -1.33% | -1.44% | -2.58% | -0.34% | -0.33% | 0.23% | -0.07% | 0.32% | +66 bps | |
| Net Interest Margin | 2.26% | 2.21% | 3.06% | 3.06% | 2.91% | 2.99% | 2.47% | 2.75% | -31 bps | |
| Efficiency Ratio | 124.05% | 125.90% | 126.67% | 102.23% | 102.93% | 97.08% | 101.05% | 89.94% | -1,230 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.14% | -2.96% | -1.42% | -1.95% | -4.01% | -2.67% | -5.32% | -3.66% | -171 bps | |
| Loan Growth (YoY) | 11.68% | 12.59% | 6.92% | 0.26% | 21.61% | 46.10% | 45.52% | 47.98% | +4,772 bps | |
| Share Growth (YoY) | -2.21% | -4.18% | -1.63% | -3.06% | -6.11% | -4.60% | -9.11% | -6.37% | -331 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.10% | 0.00% | 0.72% | 0.17% | 0.00% | 0.43% | 0.00% | 0.00% | -17 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 | 0.69% | 0.68% | 0.92% | 0.97% | 0.68% | 0.57% | 0.16% | 0.61% | -36 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 36.36% | 36.48% | 36.24% | 36.53% | 37.62% | 37.55% | 38.55% | 38.07% | +154 bps | |
| Net Worth / Assets | 36.36% | 36.48% | 36.24% | 36.53% | 37.62% | 37.55% | 38.55% | 38.07% | +154 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 22.69% | 23.07% | 21.94% | 20.85% | 29.39% | 35.32% | 35.14% | 32.96% | +1,211 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Birmingham, AL · Charter 11123 · Peer group: credit unions under $1B in assets in the Birmingham, AL area (n=29)
NCUA · 2 branches
Q2 2026
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
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.11% | 0.26% | 0.65% | 1.06% | Beats 14% | 25 / 29 | ||
| Return on Equity | 0.28% | 2.33% | 4.15% | 7.02% | Beats 14% | 25 / 29 | ||
| Net Interest Margin | 2.76% | 3.29% | 3.80% | 4.67% | Beats 3% | 28 / 29 | ||
| Efficiency Ratio | 89.29% | 67.71% | 81.00% | 89.29% | Beats 28% | 22 / 29 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.40% | 1.03% | 1.72% | Beats 100% | 1 / 29 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 38.07% | 10.13% | 13.97% | 19.12% | Beats 93% | 2 / 29 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 38.07% | 10.13% | 13.97% | 19.12% | Beats 93% | 2 / 29 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 32.95% | 40.72% | 55.53% | 68.24% | 14th pctl | 25 / 29 | ||
| Loans / Assets | 20.29% | 35.46% | 45.52% | 58.70% | 7th pctl | 27 / 29 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||