Social Security
Birmingham, AL · Charter 61391 · Peer group: credit unions under $1B in assets in the Birmingham, AL area (n=29)
NCUA · 2 branches
Q2 2026
$37.4MAssets
$13.9MLoans
$28.5MShares
$8.5MNet Worth
Executive Summary
- Strongest standing: return on assets outperforms 90% of credit unions under $1B in assets in the Birmingham, AL area (rank 3 of 29).
- Widest gap: nonperforming loans / loans trails 62% of credit unions under $1B in assets in the Birmingham, AL area (rank 19 of 29).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.59%
Rank 3 of 29
Net Interest Margin
4.13%
Rank 11 of 29
Efficiency Ratio
66.53%
Rank 5 of 29
Equity / Assets
22.63%
Rank 6 of 29
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.59% | 0.26% | 0.65% | 1.06% | Beats 90% | 3 / 29 | | |
| Return on Equity | 7.02% | 2.33% | 4.15% | 7.02% | Beats 72% | 8 / 29 | | |
| Net Interest Margin | 4.13% | 3.29% | 3.80% | 4.67% | Beats 62% | 11 / 29 | | |
| Efficiency Ratio | 66.53% | 67.71% | 81.00% | 89.29% | Beats 86% | 5 / 29 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.47% | 0.40% | 1.03% | 1.72% | Beats 38% | 19 / 29 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 22.63% | 10.13% | 13.97% | 19.12% | Beats 79% | 6 / 29 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 22.63% | 10.13% | 13.97% | 19.12% | Beats 79% | 6 / 29 | | |
| Liquidity & Funding |
| Loans / Deposits | 48.60% | 40.72% | 55.53% | 68.24% | 38th pctl | 18 / 29 | | |
| Loans / Assets | 37.08% | 35.46% | 45.52% | 58.70% | 31st pctl | 20 / 29 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |