Bay Minette, AL · Charter 13329
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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
41
Asset Quality
74
Profitability
39
Liquidity
0
Efficiency
40
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.
Bay Minette, AL · Charter 13329
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 | 0.32% | 0.67% | 1.04% | 1.20% | 1.49% | 1.01% | 0.56% | 0.73% | -47 bps | |
| Return on Equity | 2.73% | 5.66% | 8.70% | 9.89% | 11.95% | 8.10% | 4.63% | 6.09% | -379 bps | |
| Net Interest Margin | 3.08% | 3.19% | 3.74% | 3.80% | 3.84% | 3.61% | 3.01% | 3.06% | -74 bps | |
| Efficiency Ratio | 84.50% | 83.84% | 75.27% | 72.75% | 68.14% | 77.08% | 85.88% | 81.62% | +888 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.32% | 2.81% | -1.93% | 2.07% | 3.88% | 3.37% | 6.80% | 7.61% | +554 bps | |
| Loan Growth (YoY) | 6.98% | 3.36% | 1.49% | -2.74% | -7.28% | -2.72% | -4.09% | -5.41% | -266 bps | |
| Share Growth (YoY) | 0.10% | 1.71% | -3.37% | 1.73% | 3.33% | 2.95% | 7.18% | 7.21% | +548 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.20% | 0.36% | 0.26% | 0.04% | 0.00% | 0.69% | 0.00% | 0.27% | +23 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.55% | 11.84% | 11.91% | 12.13% | 12.43% | 12.47% | 12.01% | 12.03% | -11 bps | |
| Net Worth / Assets | 11.55% | 11.84% | 11.91% | 12.13% | 12.43% | 12.47% | 12.01% | 12.03% | -11 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 46.73% | 45.53% | 44.94% | 43.95% | 41.93% | 43.02% | 40.22% | 38.77% | -517 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Bay Minette, AL · Charter 13329 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
0.74%
Rank 843 of 1,683
Net Interest Margin
3.06%
Rank 1,415 of 1,683
Efficiency Ratio
81.71%
Rank 1,017 of 1,682
Equity / Assets
12.03%
Rank 992 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.74% | 0.35% | 0.74% | 1.18% | Beats 50% | 843 / 1,683 | ||
| Return on Equity | 6.12% | 2.67% | 5.89% | 8.74% | Beats 52% | 802 / 1,681 | ||
| Net Interest Margin | 3.06% | 3.31% | 3.82% | 4.32% | Beats 16% | 1,415 / 1,683 | ||
| Efficiency Ratio | 81.71% | 68.91% | 78.20% | 86.93% | Beats 40% | 1,017 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.28% | 0.26% | 0.65% | 1.29% | Beats 74% | 435 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.03% | 10.44% | 12.89% | 16.53% | Beats 41% | 992 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.03% | 10.44% | 12.89% | 16.53% | Beats 41% | 992 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 38.77% | 52.61% | 69.38% | 83.50% | 10th pctl | 1,513 / 1,683 | ||
| Loans / Assets | 33.69% | 44.71% | 59.18% | 70.72% | 11th pctl | 1,497 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||