Tuscaloosa, AL · Charter 60823
NCUA · 37 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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
28
Asset Quality
41
Profitability
14
Liquidity
87
Efficiency
22
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.
Tuscaloosa, AL · Charter 60823
NCUA · 37 branches
Q2 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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.85% | 0.71% | 0.63% | 0.68% | 0.37% | -47 bps | |
| Return on Equity | 8.76% | 7.33% | 6.43% | 6.85% | 3.76% | -500 bps | |
| Net Interest Margin | 2.47% | 2.52% | 2.57% | 2.58% | 2.62% | +15 bps | |
| Efficiency Ratio | 71.31% | 73.74% | 74.49% | 79.29% | 78.63% | +732 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.05% | 7.07% | 5.40% | 4.32% | 2.43% | -263 bps | |
| Loan Growth (YoY) | 10.96% | 6.50% | 3.35% | -0.07% | -6.46% | -1,742 bps | |
| Share Growth (YoY) | 6.75% | 7.41% | 3.08% | 4.39% | 4.36% | -239 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.83% | 0.77% | 0.91% | 0.79% | 0.80% | -3 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.66% | 9.71% | 9.83% | 9.97% | 9.92% | +25 bps | |
| Net Worth / Assets | 9.66% | 9.71% | 9.83% | 9.97% | 9.92% | +25 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 95.20% | 90.65% | 90.15% | 86.02% | 85.33% | -987 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Tuscaloosa, AL · Charter 60823 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 37 branches
Q2 2026
Return on Assets
0.37%
Rank 373 of 435
Net Interest Margin
2.62%
Rank 388 of 435
Efficiency Ratio
78.63%
Rank 342 of 435
Equity / Assets
9.92%
Rank 312 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.37% | 0.55% | 0.81% | 1.14% | Beats 14% | 373 / 435 | |
| Return on Equity | 3.76% | 5.12% | 7.41% | 9.70% | Beats 16% | 364 / 435 | |
| Net Interest Margin | 2.62% | 3.01% | 3.39% | 3.75% | Beats 11% | 388 / 435 | |
| Efficiency Ratio | 78.63% | 65.25% | 71.39% | 77.86% | Beats 22% | 342 / 435 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.80% | 0.45% | 0.69% | 1.05% | Beats 41% | 258 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 9.92% | 9.81% | 10.84% | 12.63% | Beats 28% | 312 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 9.92% | 9.81% | 10.84% | 12.63% | Beats 28% | 312 / 435 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 85.33% | 78.33% | 88.38% | 95.61% | 42nd pctl | 251 / 435 | |
| Loans / Assets | 74.17% | 67.69% | 74.58% | 80.80% | 49th pctl | 224 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||