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Mutual Savings

Birmingham, AL · Charter 60501

NCUA · 7 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Birmingham, AL area3

Basis

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.

Peer group

Credit unions under $1B in assets in the Birmingham, AL area (n=29). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

10

Q2 2024Q2 2026peer median (50)

Asset Quality

86

Q2 2024Q2 2026peer median (50)

Profitability

29

Q2 2024Q2 2026peer median (50)

Liquidity

54

Q2 2024Q2 2026peer median

Efficiency

21

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Mutual Savings

Birmingham, AL · Charter 60501

NCUA · 7 branches

Q2 2026

$242.8MAssets
$146.0MLoans
$214.0MShares
$22.0MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.26%, up 22 bps year over year; NIM at 3.41%.
  • Asset quality: problem loans at 0.19% of loans (+9 bps YoY).
  • Capital: net worth / assets of 9.06%, up 16 bps from a year ago.
  • Funding: loans stand at 68.24% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.26%+22 bps YoY

Net Interest Margin (YTD, annualized)

3.41%+34 bps YoY

Efficiency Ratio (YTD, annualized)

91.47%-789 bps YoY

Net Worth / Assets

9.06%+16 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.03%0.15%0.15%0.19%0.26%+22 bps
Return on Equity0.36%1.64%1.71%2.18%2.82%+245 bps
Net Interest Margin3.07%3.16%3.20%3.34%3.41%+34 bps
Efficiency Ratio99.35%96.14%95.40%92.81%91.47%-789 bps
Growth
Asset Growth (YoY)4.24%4.14%2.14%0.82%0.74%-350 bps
Loan Growth (YoY)-1.59%2.04%4.80%5.92%5.47%+706 bps
Share Growth (YoY)1.99%2.36%1.53%0.43%0.24%-174 bps
Asset Quality
Delinquent Loans / Loans0.10%0.10%0.10%0.44%0.19%+9 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital8.90%9.01%9.00%8.92%9.06%+16 bps
Net Worth / Assets8.90%9.01%9.00%8.92%9.06%+16 bps
Liquidity & Funding
Loans / Shares64.86%67.37%68.36%68.03%68.24%+338 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Mutual Savings

Birmingham, AL · Charter 60501 · Peer group: credit unions under $1B in assets in the Birmingham, AL area (n=29)

NCUA · 7 branches

Q2 2026

$242.8MAssets
$146.0MLoans
$214.0MShares
$22.0MNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 86% of credit unions under $1B in assets in the Birmingham, AL area (rank 5 of 29).
  • Widest gap: equity / assets trails 90% of credit unions under $1B in assets in the Birmingham, AL area (rank 26 of 29).
  • Overall: at or above the peer median on 1 of 7 directional measures.

Return on Assets

0.26%

Rank 22 of 29

Net Interest Margin

3.41%

Rank 20 of 29

Efficiency Ratio

91.48%

Rank 24 of 29

Equity / Assets

9.06%

Rank 26 of 29

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.26%0.26%0.65%1.06%Beats 24%22 / 29
Return on Equity2.82%2.33%4.15%7.02%Beats 31%20 / 29
Net Interest Margin3.41%3.29%3.80%4.67%Beats 31%20 / 29
Efficiency Ratio91.48%67.71%81.00%89.29%Beats 21%24 / 29
Asset Quality
Nonperforming Loans / Loans0.19%0.40%1.03%1.72%Beats 86%5 / 29
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio9.06%10.13%13.97%19.12%Beats 10%26 / 29
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets9.06%10.13%13.97%19.12%Beats 10%26 / 29
Liquidity & Funding
Loans / Deposits68.24%40.72%55.53%68.24%72nd pctl8 / 29
Loans / Assets60.14%35.46%45.52%58.70%76th pctl7 / 29
Brokered Deposits / Depositsn/aNot reported for this institution