Bessemer, AL · Charter 1601
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
83
Asset Quality
14
Profitability
64
Liquidity
44
Efficiency
41
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 1601
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 | 0.60% | 0.11% | -3.12% | -1.03% | -0.29% | -0.08% | 0.38% | 0.90% | +193 bps | |
| Return on Equity | 2.52% | 0.45% | -13.84% | -4.60% | -1.22% | -0.34% | 1.62% | 3.92% | +852 bps | |
| Net Interest Margin | 4.45% | 4.61% | 5.39% | 4.89% | 5.17% | 5.22% | 4.73% | 4.75% | -15 bps | |
| Efficiency Ratio | 87.24% | 83.86% | 76.50% | 77.51% | 77.55% | 80.99% | 92.44% | 82.19% | +467 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.07% | -4.40% | -0.88% | 1.79% | -0.69% | 0.66% | 0.42% | 1.94% | +15 bps | |
| Loan Growth (YoY) | -3.35% | -0.59% | 1.68% | -0.07% | 11.50% | 6.26% | 0.49% | -4.81% | -474 bps | |
| Share Growth (YoY) | -4.47% | -5.76% | -0.10% | 2.79% | -0.24% | 0.64% | -0.43% | 1.30% | -149 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.91% | 1.93% | 0.31% | 2.84% | 0.19% | 2.83% | 1.98% | 8.36% | +553 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 | 2.87% | 3.11% | 3.38% | 3.36% | 2.18% | 2.32% | 2.61% | 2.73% | -64 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 24.00% | 23.97% | 22.58% | 22.50% | 23.60% | 23.73% | 23.28% | 22.96% | +45 bps | |
| Net Worth / Assets | 24.00% | 23.97% | 22.58% | 22.50% | 23.60% | 23.73% | 23.28% | 22.96% | +45 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 45.41% | 43.93% | 42.56% | 43.32% | 50.76% | 46.38% | 42.96% | 40.71% | -261 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 1601 · Peer group: credit unions under $1B in assets in the Birmingham, AL area (n=29)
NCUA · 1 branch
Q2 2026
Return on Assets
0.91%
Rank 9 of 29
Net Interest Margin
4.76%
Rank 6 of 29
Efficiency Ratio
82.05%
Rank 18 of 29
Equity / Assets
22.97%
Rank 5 of 29
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.91% | 0.26% | 0.65% | 1.06% | Beats 69% | 9 / 29 | ||
| Return on Equity | 3.98% | 2.33% | 4.15% | 7.02% | Beats 45% | 16 / 29 | ||
| Net Interest Margin | 4.76% | 3.29% | 3.80% | 4.67% | Beats 79% | 6 / 29 | ||
| Efficiency Ratio | 82.05% | 67.71% | 81.00% | 89.29% | Beats 41% | 18 / 29 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 8.36% | 0.40% | 1.03% | 1.72% | Beats 14% | 26 / 29 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 22.97% | 10.13% | 13.97% | 19.12% | Beats 83% | 5 / 29 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 22.97% | 10.13% | 13.97% | 19.12% | Beats 83% | 5 / 29 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 40.72% | 40.72% | 55.53% | 68.24% | 24th pctl | 22 / 29 | ||
| Loans / Assets | 31.22% | 35.46% | 45.52% | 58.70% | 17th pctl | 24 / 29 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||