America's First
Birmingham, AL · Charter 24534 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 22 branches
Q2 2026
$2.8BAssets
$2.2BLoans
$2.4BShares
$341.2MNet Worth
Executive Summary
- Strongest standing: return on assets outperforms 83% of credit unions $1B-$10B in assets (rank 75 of 435).
- Widest gap: nonperforming loans / loans trails 57% of credit unions $1B-$10B in assets (rank 249 of 435).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.24%
Rank 75 of 435
Net Interest Margin
3.55%
Rank 166 of 435
Efficiency Ratio
65.80%
Rank 114 of 435
Equity / Assets
12.25%
Rank 132 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.24% | 0.55% | 0.81% | 1.14% | Beats 83% | 75 / 435 | |
| Return on Equity | 10.14% | 5.12% | 7.41% | 9.70% | Beats 78% | 96 / 435 | |
| Net Interest Margin | 3.55% | 3.01% | 3.39% | 3.75% | Beats 62% | 166 / 435 | |
| Efficiency Ratio | 65.80% | 65.25% | 71.39% | 77.86% | Beats 74% | 114 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.77% | 0.45% | 0.69% | 1.05% | Beats 43% | 249 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.25% | 9.81% | 10.84% | 12.63% | Beats 70% | 132 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.25% | 9.81% | 10.84% | 12.63% | Beats 70% | 132 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 90.92% | 78.33% | 88.38% | 95.61% | 59th pctl | 180 / 435 | |
| Loans / Assets | 78.85% | 67.69% | 74.58% | 80.80% | 66th pctl | 150 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |