Alabama Central
Birmingham, AL · Charter 60712 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 9 branches
Q2 2026
$214.0MAssets
$141.3MLoans
$192.6MShares
$20.6MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 82% of credit unions under $1B in assets (rank 309 of 1681).
- Widest gap: equity / assets trails 84% of credit unions under $1B in assets (rank 1406 of 1683).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.94%
Rank 639 of 1,683
Net Interest Margin
3.78%
Rank 881 of 1,683
Efficiency Ratio
81.16%
Rank 989 of 1,682
Equity / Assets
9.64%
Rank 1,406 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.94% | 0.35% | 0.74% | 1.18% | Beats 62% | 639 / 1,683 | |
| Return on Equity | 9.76% | 2.67% | 5.89% | 8.74% | Beats 82% | 309 / 1,681 | |
| Net Interest Margin | 3.78% | 3.31% | 3.82% | 4.32% | Beats 48% | 881 / 1,683 | |
| Efficiency Ratio | 81.16% | 68.91% | 78.20% | 86.93% | Beats 41% | 989 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.44% | 0.26% | 0.65% | 1.29% | Beats 63% | 618 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.64% | 10.44% | 12.89% | 16.53% | Beats 16% | 1,406 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.64% | 10.44% | 12.89% | 16.53% | Beats 16% | 1,406 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 73.36% | 52.61% | 69.38% | 83.50% | 58th pctl | 715 / 1,683 | |
| Loans / Assets | 66.04% | 44.71% | 59.18% | 70.72% | 64th pctl | 600 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |