Huntsville, AL · Charter 60500
NCUA · 5 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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
3
Asset Quality
47
Profitability
43
Liquidity
10
Efficiency
44
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.
Huntsville, AL · Charter 60500
NCUA · 5 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 | 0.18% | 0.16% | 0.37% | 0.41% | 0.39% | 0.44% | 0.58% | 0.66% | +26 bps | |
| Return on Equity | 2.34% | 2.02% | 4.92% | 5.29% | 5.00% | 5.70% | 7.51% | 8.41% | +312 bps | |
| Net Interest Margin | 2.32% | 2.37% | 2.60% | 2.67% | 2.72% | 2.75% | 2.82% | 2.95% | +28 bps | |
| Efficiency Ratio | 92.18% | 92.82% | 86.99% | 86.31% | 85.26% | 84.22% | 82.70% | 80.21% | -610 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.30% | 1.72% | 3.25% | 1.95% | 3.48% | 4.95% | 3.95% | 4.79% | +284 bps | |
| Loan Growth (YoY) | 1.05% | -2.29% | -2.17% | -0.86% | 0.59% | 1.73% | 2.89% | 3.02% | +388 bps | |
| Share Growth (YoY) | 1.87% | 1.17% | 1.79% | 0.59% | 2.13% | 3.08% | 2.56% | 3.72% | +312 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.81% | 0.60% | 0.29% | 0.30% | 0.53% | 0.46% | 0.59% | 0.72% | +41 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 | 7.70% | 7.73% | 7.55% | 7.71% | 7.73% | 7.79% | 7.73% | 7.91% | +20 bps | |
| Net Worth / Assets | 7.70% | 7.73% | 7.55% | 7.71% | 7.73% | 7.79% | 7.73% | 7.91% | +20 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 43.40% | 42.80% | 41.35% | 42.14% | 42.74% | 42.24% | 41.49% | 41.86% | -29 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Huntsville, AL · Charter 60500 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 5 branches
Q2 2026
Return on Assets
0.66%
Rank 931 of 1,683
Net Interest Margin
2.95%
Rank 1,481 of 1,683
Efficiency Ratio
80.23%
Rank 947 of 1,682
Equity / Assets
7.91%
Rank 1,627 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.66% | 0.35% | 0.74% | 1.18% | Beats 45% | 931 / 1,683 | ||
| Return on Equity | 8.40% | 2.67% | 5.89% | 8.74% | Beats 73% | 461 / 1,681 | ||
| Net Interest Margin | 2.95% | 3.31% | 3.82% | 4.32% | Beats 12% | 1,481 / 1,683 | ||
| Efficiency Ratio | 80.23% | 68.91% | 78.20% | 86.93% | Beats 44% | 947 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.72% | 0.26% | 0.65% | 1.29% | Beats 47% | 888 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 7.91% | 10.44% | 12.89% | 16.53% | Beats 3% | 1,627 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 7.91% | 10.44% | 12.89% | 16.53% | Beats 3% | 1,627 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 41.86% | 52.61% | 69.38% | 83.50% | 13th pctl | 1,469 / 1,683 | ||
| Loans / Assets | 38.72% | 44.71% | 59.18% | 70.72% | 17th pctl | 1,400 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||