Tuscumbia, AL · Charter 60930
NCUA · 7 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
60
Asset Quality
80
Profitability
29
Liquidity
1
Efficiency
37
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.
Tuscumbia, AL · Charter 60930
NCUA · 7 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 | 0.42% | 0.43% | 0.54% | 0.56% | 0.53% | 0.49% | 0.46% | 0.55% | -1 bps | |
| Return on Equity | 2.92% | 2.95% | 3.73% | 3.88% | 3.79% | 3.51% | 3.29% | 3.96% | +7 bps | |
| Net Interest Margin | 2.54% | 2.58% | 2.70% | 2.79% | 2.80% | 2.82% | 2.97% | 3.04% | +25 bps | |
| Efficiency Ratio | 83.42% | 82.11% | 81.34% | 82.28% | 82.39% | 83.65% | 82.84% | 82.62% | +34 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.86% | 1.18% | 2.27% | 2.78% | 5.54% | 6.92% | 6.23% | 6.82% | +404 bps | |
| Loan Growth (YoY) | 4.72% | 2.90% | 3.04% | 5.17% | 6.19% | 7.26% | 8.03% | 5.01% | -16 bps | |
| Share Growth (YoY) | 1.79% | 0.86% | 1.06% | 1.85% | 5.61% | 5.82% | 6.04% | 6.90% | +504 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.29% | 0.35% | 0.34% | 0.09% | 0.22% | 0.32% | 0.27% | 0.20% | +10 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 | 14.37% | 14.45% | 14.37% | 14.40% | 14.11% | 13.99% | 13.99% | 13.96% | -44 bps | |
| Net Worth / Assets | 14.37% | 14.45% | 14.37% | 14.40% | 14.11% | 13.99% | 13.99% | 13.96% | -44 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 39.19% | 38.80% | 38.45% | 39.82% | 39.41% | 39.33% | 39.17% | 39.12% | -70 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Tuscumbia, AL · Charter 60930 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 7 branches
Q2 2026
Return on Assets
0.55%
Rank 1,068 of 1,683
Net Interest Margin
3.04%
Rank 1,429 of 1,683
Efficiency Ratio
82.59%
Rank 1,063 of 1,682
Equity / Assets
13.96%
Rank 681 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.55% | 0.35% | 0.74% | 1.18% | Beats 37% | 1,068 / 1,683 | ||
| Return on Equity | 3.96% | 2.67% | 5.89% | 8.74% | Beats 35% | 1,099 / 1,681 | ||
| Net Interest Margin | 3.04% | 3.31% | 3.82% | 4.32% | Beats 15% | 1,429 / 1,683 | ||
| Efficiency Ratio | 82.59% | 68.91% | 78.20% | 86.93% | Beats 37% | 1,063 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.20% | 0.26% | 0.65% | 1.29% | Beats 80% | 335 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.96% | 10.44% | 12.89% | 16.53% | Beats 60% | 681 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 13.96% | 10.44% | 12.89% | 16.53% | Beats 60% | 681 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 39.12% | 52.61% | 69.38% | 83.50% | 10th pctl | 1,509 / 1,683 | ||
| Loans / Assets | 34.03% | 44.71% | 59.18% | 70.72% | 12th pctl | 1,487 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||