Anniston, AL · Charter 61800
NCUA · 6 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
48
Asset Quality
28
Profitability
18
Liquidity
33
Efficiency
26
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.
Anniston, AL · Charter 61800
NCUA · 6 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 | -0.27% | -0.25% | -0.30% | 0.30% | 0.18% | +45 bps | |
| Return on Equity | -2.10% | -1.94% | -2.33% | 2.38% | 1.41% | +351 bps | |
| Net Interest Margin | 2.69% | 2.81% | 2.87% | 3.13% | 3.18% | +49 bps | |
| Efficiency Ratio | 98.96% | 98.55% | 99.76% | 81.22% | 86.30% | -1,266 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.06% | -4.31% | 1.32% | 0.12% | 0.02% | +308 bps | |
| Loan Growth (YoY) | -5.53% | -4.19% | -1.24% | 0.49% | 2.51% | +804 bps | |
| Share Growth (YoY) | 2.44% | -0.58% | 0.12% | -1.29% | -0.86% | -330 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.76% | 0.78% | 0.98% | 1.09% | 1.17% | +41 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 | 12.83% | 12.93% | 12.76% | 12.68% | 12.73% | -10 bps | |
| Net Worth / Assets | 12.83% | 12.93% | 12.76% | 12.68% | 12.73% | -10 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 47.15% | 47.93% | 47.59% | 47.37% | 48.75% | +160 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Anniston, AL · Charter 61800 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 6 branches
Q2 2026
Return on Assets
0.18%
Rank 1,395 of 1,683
Net Interest Margin
3.18%
Rank 1,347 of 1,683
Efficiency Ratio
86.31%
Rank 1,238 of 1,682
Equity / Assets
12.73%
Rank 871 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.18% | 0.35% | 0.74% | 1.18% | Beats 17% | 1,395 / 1,683 | |
| Return on Equity | 1.41% | 2.67% | 5.89% | 8.74% | Beats 17% | 1,394 / 1,681 | |
| Net Interest Margin | 3.18% | 3.31% | 3.82% | 4.32% | Beats 20% | 1,347 / 1,683 | |
| Efficiency Ratio | 86.31% | 68.91% | 78.20% | 86.93% | Beats 26% | 1,238 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.17% | 0.26% | 0.65% | 1.29% | Beats 28% | 1,214 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 12.73% | 10.44% | 12.89% | 16.53% | Beats 48% | 871 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 12.73% | 10.44% | 12.89% | 16.53% | Beats 48% | 871 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 48.75% | 52.61% | 69.38% | 83.50% | 20th pctl | 1,343 / 1,683 | |
| Loans / Assets | 43.88% | 44.71% | 59.18% | 70.72% | 24th pctl | 1,278 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||