Florence, AL · Charter 61944
NCUA · 2 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
49
Asset Quality
100
Profitability
68
Liquidity
0
Efficiency
92
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.
Florence, AL · Charter 61944
NCUA · 2 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 | 1.17% | 1.23% | 1.27% | 1.69% | 1.57% | +40 bps | |
| Return on Equity | 9.75% | 10.17% | 10.33% | 13.54% | 12.25% | +249 bps | |
| Net Interest Margin | 3.07% | 3.11% | 3.17% | 3.21% | 3.31% | +24 bps | |
| Efficiency Ratio | 65.75% | 64.12% | 63.59% | 52.47% | 56.46% | -929 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.18% | 4.27% | 5.18% | 5.13% | 4.79% | +460 bps | |
| Loan Growth (YoY) | -1.02% | -0.13% | -1.91% | -0.89% | -4.76% | -375 bps | |
| Share Growth (YoY) | -0.82% | 3.12% | 3.45% | 3.60% | 3.83% | +465 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.02% | 0.02% | 0.00% | 0 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 | 11.97% | 12.11% | 12.30% | 12.45% | 12.80% | +84 bps | |
| Net Worth / Assets | 11.97% | 12.11% | 12.30% | 12.45% | 12.80% | +84 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 40.64% | 39.19% | 38.92% | 37.88% | 37.28% | -336 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Florence, AL · Charter 61944 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
1.57%
Rank 213 of 1,683
Net Interest Margin
3.31%
Rank 1,267 of 1,683
Efficiency Ratio
56.42%
Rank 134 of 1,682
Equity / Assets
12.80%
Rank 858 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.57% | 0.35% | 0.74% | 1.18% | Beats 87% | 213 / 1,683 | |
| Return on Equity | 12.26% | 2.67% | 5.89% | 8.74% | Beats 93% | 124 / 1,681 | |
| Net Interest Margin | 3.31% | 3.31% | 3.82% | 4.32% | Beats 25% | 1,267 / 1,683 | |
| Efficiency Ratio | 56.42% | 68.91% | 78.20% | 86.93% | Beats 92% | 134 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.26% | 0.65% | 1.29% | Beats 100% | 132 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 12.80% | 10.44% | 12.89% | 16.53% | Beats 49% | 858 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 12.80% | 10.44% | 12.89% | 16.53% | Beats 49% | 858 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 37.28% | 52.61% | 69.38% | 83.50% | 9th pctl | 1,532 / 1,683 | |
| Loans / Assets | 32.26% | 44.71% | 59.18% | 70.72% | 10th pctl | 1,517 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||