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Birmingham, AL · Charter 11975 · Peer group: credit unions under $1B in assets in the Birmingham, AL area (n=29)
NCUA · 2 branches
Q2 2026
$24.4MAssets
$10.0MLoans
$21.8MShares
$2.5MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 90% of credit unions under $1B in assets in the Birmingham, AL area (rank 3 of 29).
- Widest gap: equity / assets trails 76% of credit unions under $1B in assets in the Birmingham, AL area (rank 22 of 29).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
1.06%
Rank 8 of 29
Net Interest Margin
3.87%
Rank 14 of 29
Efficiency Ratio
75.47%
Rank 13 of 29
Equity / Assets
10.13%
Rank 22 of 29
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.06% | 0.26% | 0.65% | 1.06% | Beats 72% | 8 / 29 | |
| Return on Equity | 10.45% | 2.33% | 4.15% | 7.02% | Beats 90% | 3 / 29 | |
| Net Interest Margin | 3.87% | 3.29% | 3.80% | 4.67% | Beats 52% | 14 / 29 | |
| Efficiency Ratio | 75.47% | 67.71% | 81.00% | 89.29% | Beats 59% | 13 / 29 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.40% | 0.40% | 1.03% | 1.72% | Beats 76% | 8 / 29 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.13% | 10.13% | 13.97% | 19.12% | Beats 24% | 22 / 29 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.13% | 10.13% | 13.97% | 19.12% | Beats 24% | 22 / 29 | |
| Liquidity & Funding |
| Loans / Deposits | 45.84% | 40.72% | 55.53% | 68.24% | 34th pctl | 19 / 29 | |
| Loans / Assets | 40.98% | 35.46% | 45.52% | 58.70% | 41st pctl | 17 / 29 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |