Montgomery, AL · Charter 5345
NCUA · 1 branch
Q1 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2026, the quarter ended March 31, 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 (n=1,674 to 1,677). 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
55
Profitability
26
Liquidity
0
Efficiency
3
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.
Montgomery, AL · Charter 5345
NCUA · 1 branch
Q1 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.74% | -0.53% | -0.51% | -0.25% | -0.36% | +38 bps | |
| Return on Equity | -6.77% | -4.82% | -4.41% | -2.15% | -2.92% | +385 bps | |
| Net Interest Margin | 4.03% | 4.08% | 4.26% | 3.98% | 3.92% | -11 bps | |
| Efficiency Ratio | 110.29% | 106.62% | 106.77% | 101.75% | 120.57% | +1,028 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.69% | -1.59% | -3.68% | -5.49% | -11.67% | -1,236 bps | |
| Loan Growth (YoY) | -8.37% | -13.03% | -21.68% | -27.12% | -32.82% | -2,445 bps | |
| Share Growth (YoY) | 1.82% | -0.86% | -3.52% | -5.41% | -12.31% | -1,413 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.76% | 3.79% | 3.23% | 3.55% | 0.49% | -327 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.69% | 0.85% | 1.00% | 1.27% | 0.81% | +13 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.93% | 11.06% | 11.50% | 11.56% | 12.20% | +127 bps | |
| Net Worth / Assets | 10.93% | 11.06% | 11.50% | 11.56% | 12.20% | +127 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 32.99% | 30.98% | 29.82% | 26.21% | 25.27% | -771 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Montgomery, AL · Charter 5345 · Peer group: credit unions under $1B in assets (n=1,674-1,677)
NCUA · 1 branch
Q1 2026
Return on Assets
-0.33%
Rank 1,514 of 1,677
Net Interest Margin
3.92%
Rank 705 of 1,676
Efficiency Ratio
120.00%
Rank 1,623 of 1,674
Equity / Assets
12.21%
Rank 927 of 1,676
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.33% | 0.29% | 0.71% | 1.15% | Beats 10% | 1,514 / 1,677 | |
| Return on Equity | -2.72% | 2.30% | 5.46% | 8.75% | Beats 9% | 1,520 / 1,674 | |
| Net Interest Margin | 3.92% | 3.27% | 3.78% | 4.29% | Beats 58% | 705 / 1,676 | |
| Efficiency Ratio | 120.00% | 69.04% | 78.86% | 87.73% | Beats 3% | 1,623 / 1,674 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.52% | 0.23% | 0.59% | 1.15% | Beats 55% | 760 / 1,675 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 12.20% | 10.32% | 12.68% | 16.26% | Beats 45% | 929 / 1,677 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 12.21% | 10.32% | 12.68% | 16.26% | Beats 45% | 927 / 1,676 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 25.28% | 52.64% | 68.65% | 82.42% | 3rd pctl | 1,623 / 1,676 | |
| Loans / Assets | 22.22% | 44.39% | 58.63% | 70.08% | 4th pctl | 1,614 / 1,676 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||