Alatrust
Hoover, AL · Charter 60934 · Peer group: credit unions under $1B in assets in the Birmingham, AL area (n=29)
NCUA · 6 branches
Q2 2026
$224.0MAssets
$125.3MLoans
$197.8MShares
$31.3MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 83% of credit unions under $1B in assets in the Birmingham, AL area (rank 5 of 29).
- Widest gap: nonperforming loans / loans trails 72% of credit unions under $1B in assets in the Birmingham, AL area (rank 22 of 29).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
1.25%
Rank 7 of 29
Net Interest Margin
3.55%
Rank 16 of 29
Efficiency Ratio
67.05%
Rank 6 of 29
Equity / Assets
13.97%
Rank 15 of 29
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.25% | 0.26% | 0.65% | 1.06% | Beats 76% | 7 / 29 | | |
| Return on Equity | 8.97% | 2.33% | 4.15% | 7.02% | Beats 83% | 5 / 29 | | |
| Net Interest Margin | 3.55% | 3.29% | 3.80% | 4.67% | Beats 45% | 16 / 29 | | |
| Efficiency Ratio | 67.05% | 67.71% | 81.00% | 89.29% | Beats 83% | 6 / 29 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.72% | 0.40% | 1.03% | 1.72% | Beats 28% | 22 / 29 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 13.97% | 10.13% | 13.97% | 19.12% | Beats 48% | 15 / 29 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 13.97% | 10.13% | 13.97% | 19.12% | Beats 48% | 15 / 29 | | |
| Liquidity & Funding |
| Loans / Deposits | 63.34% | 40.72% | 55.53% | 68.24% | 62nd pctl | 11 / 29 | | |
| Loans / Assets | 55.94% | 35.46% | 45.52% | 58.70% | 69th pctl | 9 / 29 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |