NRS Community Development
Birmingham, AL · Charter 24583 · Peer group: credit unions under $1B in assets in the Birmingham, AL area (n=29)
NCUA · 1 branch
Q2 2026
$1.1MAssets
$402KLoans
$1.0MShares
$78KNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 7% of credit unions under $1B in assets in the Birmingham, AL area (rank 27 of 29).
- Widest gap: equity / assets trails 100% of credit unions under $1B in assets in the Birmingham, AL area (rank 29 of 29).
- Overall: at or above the peer median on 0 of 7 directional measures.
Return on Assets
-1.09%
Rank 28 of 29
Net Interest Margin
2.91%
Rank 27 of 29
Efficiency Ratio
120.69%
Rank 28 of 29
Equity / Assets
7.08%
Rank 29 of 29
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -1.09% | 0.26% | 0.65% | 1.06% | Beats 3% | 28 / 29 | |
| Return on Equity | -15.38% | 2.33% | 4.15% | 7.02% | Beats 0% | 29 / 29 | |
| Net Interest Margin | 2.91% | 3.29% | 3.80% | 4.67% | Beats 7% | 27 / 29 | |
| Efficiency Ratio | 120.69% | 67.71% | 81.00% | 89.29% | Beats 7% | 28 / 29 | |
| Asset Quality |
| Nonperforming Loans / Loans | 15.92% | 0.40% | 1.03% | 1.72% | Beats 3% | 29 / 29 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 7.08% | 10.13% | 13.97% | 19.12% | Beats 0% | 29 / 29 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 7.08% | 10.13% | 13.97% | 19.12% | Beats 0% | 29 / 29 | |
| Liquidity & Funding |
| Loans / Deposits | 39.49% | 40.72% | 55.53% | 68.24% | 21st pctl | 23 / 29 | |
| Loans / Assets | 36.51% | 35.46% | 45.52% | 58.70% | 28th pctl | 21 / 29 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |