Bessemer, AL · Charter 12837
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 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
66
Asset Quality
52
Profitability
50
Liquidity
35
Efficiency
45
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.
Bessemer, AL · Charter 12837
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 | 1.95% | 1.12% | 0.86% | 1.04% | 0.92% | 0.89% | 0.24% | 0.64% | -40 bps | |
| Return on Equity | 11.33% | 6.51% | 5.04% | 5.71% | 5.07% | 4.96% | 1.35% | 3.50% | -221 bps | |
| Net Interest Margin | 4.93% | 4.80% | 4.32% | 4.07% | 4.45% | 4.39% | 3.98% | 4.13% | +6 bps | |
| Efficiency Ratio | 66.49% | 68.92% | 71.34% | 72.28% | 73.77% | 73.73% | 89.00% | 82.43% | +1,015 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.47% | -1.84% | 1.75% | -2.66% | 0.36% | 0.52% | 0.80% | 3.69% | +635 bps | |
| Loan Growth (YoY) | -3.69% | -4.20% | -3.45% | 2.13% | 12.01% | 8.02% | 11.91% | -0.32% | -245 bps | |
| Share Growth (YoY) | -6.95% | -4.61% | 0.18% | -4.40% | -1.60% | 0.67% | -1.18% | 3.54% | +794 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.13% | 1.48% | 2.27% | 1.29% | 0.87% | 0.71% | 1.16% | 1.02% | -27 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 | 4.28% | 4.36% | 4.94% | 4.96% | 4.08% | 4.49% | 4.36% | 4.33% | -63 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.25% | 17.23% | 17.05% | 18.13% | 18.08% | 18.03% | 17.64% | 18.19% | +6 bps | |
| Net Worth / Assets | 17.25% | 17.23% | 17.05% | 18.13% | 18.08% | 18.03% | 17.64% | 18.19% | +6 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 37.49% | 38.36% | 37.48% | 40.03% | 42.67% | 41.16% | 42.44% | 38.53% | -149 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Bessemer, AL · Charter 12837 · Peer group: credit unions under $1B in assets in the Birmingham, AL area (n=29)
NCUA · 1 branch
Q2 2026
Return on Assets
0.64%
Rank 16 of 29
Net Interest Margin
4.14%
Rank 10 of 29
Efficiency Ratio
81.97%
Rank 17 of 29
Equity / Assets
18.19%
Rank 10 of 29
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.64% | 0.26% | 0.65% | 1.06% | Beats 45% | 16 / 29 | ||
| Return on Equity | 3.53% | 2.33% | 4.15% | 7.02% | Beats 38% | 18 / 29 | ||
| Net Interest Margin | 4.14% | 3.29% | 3.80% | 4.67% | Beats 66% | 10 / 29 | ||
| Efficiency Ratio | 81.97% | 67.71% | 81.00% | 89.29% | Beats 45% | 17 / 29 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.03% | 0.40% | 1.03% | 1.72% | Beats 52% | 15 / 29 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 18.19% | 10.13% | 13.97% | 19.12% | Beats 66% | 10 / 29 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 18.19% | 10.13% | 13.97% | 19.12% | Beats 66% | 10 / 29 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 38.54% | 40.72% | 55.53% | 68.24% | 17th pctl | 24 / 29 | ||
| Loans / Assets | 31.34% | 35.46% | 45.52% | 58.70% | 21st pctl | 23 / 29 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||