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
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.62% | 0.26% | 0.65% | 1.06% | Beats 41% | 17 / 29 | |
| Return on Equity | 6.57% | 2.33% | 4.15% | 7.02% | Beats 69% | 9 / 29 | |
| Net Interest Margin | 5.39% | 3.29% | 3.80% | 4.67% | Beats 90% | 3 / 29 | |
| Efficiency Ratio | 88.07% | 67.71% | 81.00% | 89.29% | Beats 31% | 21 / 29 | |
| Asset Quality |
| Nonperforming Loans / Loans | 12.33% | 0.40% | 1.03% | 1.72% | Beats 7% | 28 / 29 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.37% | 10.13% | 13.97% | 19.12% | Beats 14% | 25 / 29 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.37% | 10.13% | 13.97% | 19.12% | Beats 14% | 25 / 29 | |
| Liquidity & Funding |
| Loans / Deposits | 82.82% | 40.72% | 55.53% | 68.24% | 86th pctl | 4 / 29 | |
| Loans / Assets | 74.91% | 35.46% | 45.52% | 58.70% | 93rd pctl | 2 / 29 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |