Legacy Community
Birmingham, AL · Charter 24421 · Peer group: credit unions under $1B in assets in the Birmingham, AL area (n=29)
NCUA · 11 branches
Q2 2026
$727.2MAssets
$426.9MLoans
$631.6MShares
$96.6MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 66% of credit unions under $1B in assets in the Birmingham, AL area (rank 10 of 29).
- Widest gap: net interest margin trails 83% of credit unions under $1B in assets in the Birmingham, AL area (rank 24 of 29).
- Overall: at or above the peer median on 3 of 7 directional measures.
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 | 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 |