Phenix City, AL · Charter 13852
NCUA · 3 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
74
Asset Quality
33
Profitability
44
Liquidity
16
Efficiency
29
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.
Phenix City, AL · Charter 13852
NCUA · 3 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 | -0.59% | -1.40% | 0.05% | 0.05% | 0.08% | 0.12% | 0.08% | 0.24% | +19 bps | |
| Return on Equity | -3.62% | -8.95% | 0.36% | 0.30% | 0.50% | 0.74% | 0.49% | 1.46% | +116 bps | |
| Net Interest Margin | 3.78% | 3.97% | 4.36% | 4.55% | 4.69% | 4.82% | 5.26% | 5.55% | +100 bps | |
| Efficiency Ratio | 94.62% | 110.01% | 91.89% | 90.40% | 89.32% | 87.45% | 85.63% | 85.50% | -489 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.90% | -6.42% | -4.39% | -3.60% | -2.86% | -1.01% | -1.82% | -2.59% | +101 bps | |
| Loan Growth (YoY) | 16.94% | 16.69% | 19.19% | 14.25% | 12.58% | 16.28% | 11.68% | 12.24% | -201 bps | |
| Share Growth (YoY) | -7.94% | -7.48% | -5.38% | -5.28% | -3.79% | -1.67% | -2.49% | -3.15% | +212 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.55% | 0.64% | 0.81% | 0.88% | 0.89% | 1.03% | 0.57% | 1.01% | +13 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 | 16.28% | 15.66% | 15.35% | 15.64% | 15.86% | 15.94% | 15.76% | 16.27% | +63 bps | |
| Net Worth / Assets | 16.28% | 15.66% | 15.35% | 15.64% | 15.86% | 15.94% | 15.76% | 16.27% | +63 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 68.64% | 70.60% | 73.23% | 76.38% | 80.32% | 83.48% | 83.88% | 88.52% | +1,214 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Phenix City, AL · Charter 13852 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
Return on Assets
0.24%
Rank 1,358 of 1,683
Net Interest Margin
5.55%
Rank 62 of 1,683
Efficiency Ratio
85.50%
Rank 1,201 of 1,682
Equity / Assets
16.27%
Rank 441 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.24% | 0.35% | 0.74% | 1.18% | Beats 19% | 1,358 / 1,683 | ||
| Return on Equity | 1.46% | 2.67% | 5.89% | 8.74% | Beats 17% | 1,387 / 1,681 | ||
| Net Interest Margin | 5.55% | 3.31% | 3.82% | 4.32% | Beats 96% | 62 / 1,683 | ||
| Efficiency Ratio | 85.50% | 68.91% | 78.20% | 86.93% | Beats 29% | 1,201 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.01% | 0.26% | 0.65% | 1.29% | Beats 33% | 1,131 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 16.27% | 10.44% | 12.89% | 16.53% | Beats 74% | 441 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 16.27% | 10.44% | 12.89% | 16.53% | Beats 74% | 441 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 88.51% | 52.61% | 69.38% | 83.50% | 84th pctl | 271 / 1,683 | ||
| Loans / Assets | 72.61% | 44.71% | 59.18% | 70.72% | 79th pctl | 352 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||