Birmingham, AL · Charter 24421
NCUA · 11 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 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
45
Asset Quality
34
Profitability
48
Liquidity
57
Efficiency
62
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.
Birmingham, AL · Charter 24421
NCUA · 11 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 | 0.55% | 0.58% | 1.44% | 1.14% | 0.96% | 0.89% | 0.61% | 0.84% | -30 bps | |
| Return on Equity | 4.11% | 4.30% | 10.51% | 8.17% | 7.55% | 7.01% | 4.77% | 6.35% | -182 bps | |
| Net Interest Margin | 2.23% | 2.28% | 2.56% | 2.71% | 2.48% | 2.57% | 2.95% | 3.19% | +48 bps | |
| Efficiency Ratio | 79.49% | 78.29% | 62.80% | 65.92% | 67.22% | 69.33% | 80.23% | 75.39% | +946 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.09% | 0.53% | -0.71% | -0.39% | 12.68% | 14.17% | 12.89% | 11.83% | +1,222 bps | |
| Loan Growth (YoY) | -3.61% | -5.55% | -5.64% | -5.74% | 12.63% | 13.84% | 12.83% | 12.48% | +1,822 bps | |
| Share Growth (YoY) | -1.44% | -0.12% | -2.18% | -2.00% | 11.49% | 12.81% | 12.31% | 12.07% | +1,407 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.55% | 0.53% | 0.34% | 0.46% | 0.32% | 0.91% | 1.07% | 1.64% | +118 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 | 13.38% | 13.56% | 13.70% | 13.95% | 12.71% | 12.74% | 12.85% | 13.28% | -67 bps | |
| Net Worth / Assets | 13.38% | 13.56% | 13.70% | 13.95% | 12.71% | 12.74% | 12.85% | 13.28% | -67 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 69.95% | 68.44% | 66.89% | 67.33% | 70.67% | 69.06% | 67.20% | 67.58% | +25 bps | |
| Liquid Assets / Assets | 0.00% | 99.75% | 99.19% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Birmingham, AL · Charter 24421 · Peer group: credit unions under $1B in assets in the Birmingham, AL area (n=29)
NCUA · 11 branches
Q2 2026
Return on Assets
0.84%
Rank 11 of 29
Net Interest Margin
3.19%
Rank 24 of 29
Efficiency Ratio
75.39%
Rank 12 of 29
Equity / Assets
13.28%
Rank 16 of 29
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.84% | 0.26% | 0.65% | 1.06% | Beats 62% | 11 / 29 | ||
| Return on Equity | 6.35% | 2.33% | 4.15% | 7.02% | Beats 66% | 10 / 29 | ||
| Net Interest Margin | 3.19% | 3.29% | 3.80% | 4.67% | Beats 17% | 24 / 29 | ||
| Efficiency Ratio | 75.39% | 67.71% | 81.00% | 89.29% | Beats 62% | 12 / 29 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.64% | 0.40% | 1.03% | 1.72% | Beats 34% | 20 / 29 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.28% | 10.13% | 13.97% | 19.12% | Beats 45% | 16 / 29 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 13.28% | 10.13% | 13.97% | 19.12% | Beats 45% | 16 / 29 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 67.58% | 40.72% | 55.53% | 68.24% | 69th pctl | 9 / 29 | ||
| Loans / Assets | 58.70% | 35.46% | 45.52% | 58.70% | 72nd pctl | 8 / 29 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||