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Sixth Avenue Baptist

Birmingham, AL · Charter 15938

NCUA · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Birmingham, AL area3

Basis

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.

Peer group

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.

Peer standing

Capital

14

Q2 2024Q2 2026peer median (50)

Asset Quality

7

Q2 2024Q2 2026peer median (50)

Profitability

67

Q2 2024Q2 2026peer median (50)

Liquidity

2

Q2 2024Q2 2026peer median

Efficiency

31

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Sixth Avenue Baptist

Birmingham, AL · Charter 15938

NCUA · 1 branch

Q2 2026

$5.2MAssets
$3.9MLoans
$4.7MShares
$487KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.61%, down 208 bps year over year; NIM at 5.40%.
  • Asset quality: problem loans at 12.33% of loans (-246 bps YoY).
  • Capital: net worth / assets of 9.37%, up 48 bps from a year ago.
  • Funding: loans stand at 82.82% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.61%-208 bps YoY

Net Interest Margin (YTD, annualized)

5.40%+40 bps YoY

Efficiency Ratio (YTD, annualized)

87.69%+2,483 bps YoY

Net Worth / Assets

9.37%+48 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.69%2.58%1.30%1.07%0.61%-208 bps
Return on Equity30.26%26.88%14.34%11.55%6.56%-2,370 bps
Net Interest Margin4.99%5.16%5.20%5.27%5.40%+40 bps
Efficiency Ratio62.87%67.80%77.26%78.89%87.69%+2,483 bps
Growth
Asset Growth (YoY)-0.84%1.61%3.57%-1.09%-2.81%-197 bps
Loan Growth (YoY)10.21%6.85%2.73%7.53%7.03%-317 bps
Share Growth (YoY)-2.62%-0.46%2.26%-1.92%-3.38%-77 bps
Asset Quality
Delinquent Loans / Loans14.79%16.09%14.57%10.02%12.33%-246 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.59%0.60%0.89%0.76%0.78%+19 bps
Capital
Risk-Based Capital8.89%9.61%9.03%9.27%9.37%+48 bps
Net Worth / Assets8.89%9.61%9.03%9.27%9.37%+48 bps
Liquidity & Funding
Loans / Shares74.76%77.12%77.80%82.60%82.82%+806 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Sixth Avenue Baptist

Birmingham, AL · Charter 15938 · Peer group: credit unions under $1B in assets in the Birmingham, AL area (n=29)

NCUA · 1 branch

Q2 2026

$5.2MAssets
$3.9MLoans
$4.7MShares
$487KNet Worth

Executive Summary

  • Strongest standing: net interest margin outperforms 90% of credit unions under $1B in assets in the Birmingham, AL area (rank 3 of 29).
  • Widest gap: nonperforming loans / loans trails 93% of credit unions under $1B in assets in the Birmingham, AL area (rank 28 of 29).
  • Overall: at or above the peer median on 2 of 7 directional measures.

Return on Assets

0.62%

Rank 17 of 29

Net Interest Margin

5.39%

Rank 3 of 29

Efficiency Ratio

88.07%

Rank 21 of 29

Equity / Assets

9.37%

Rank 25 of 29

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.62%0.26%0.65%1.06%Beats 41%17 / 29
Return on Equity6.57%2.33%4.15%7.02%Beats 69%9 / 29
Net Interest Margin5.39%3.29%3.80%4.67%Beats 90%3 / 29
Efficiency Ratio88.07%67.71%81.00%89.29%Beats 31%21 / 29
Asset Quality
Nonperforming Loans / Loans12.33%0.40%1.03%1.72%Beats 7%28 / 29
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio9.37%10.13%13.97%19.12%Beats 14%25 / 29
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets9.37%10.13%13.97%19.12%Beats 14%25 / 29
Liquidity & Funding
Loans / Deposits82.82%40.72%55.53%68.24%86th pctl4 / 29
Loans / Assets74.91%35.46%45.52%58.70%93rd pctl2 / 29
Brokered Deposits / Depositsn/aNot reported for this institution