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
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |