Birmingham, AL · Charter 62356
NCUA · 1 branch
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 in the Birmingham, AL area (n=29). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
69
Asset Quality
17
Profitability
25
Liquidity
76
Efficiency
3
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.
Birmingham, AL · Charter 62356
NCUA · 1 branch
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 | -1.95% | -1.84% | -2.03% | -2.43% | -2.04% | -9 bps | |
| Return on Equity | -9.93% | -9.25% | -10.23% | -12.69% | -11.20% | -127 bps | |
| Net Interest Margin | 4.90% | 5.08% | 5.16% | 4.72% | 4.69% | -21 bps | |
| Efficiency Ratio | 133.67% | 130.12% | 132.09% | 139.34% | 133.35% | -32 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.78% | -1.41% | -2.41% | -5.42% | -2.60% | -82 bps | |
| Loan Growth (YoY) | -8.74% | -11.80% | -9.73% | -12.91% | -9.84% | -110 bps | |
| Share Growth (YoY) | 0.70% | -1.25% | -0.57% | -3.46% | -0.62% | -132 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.51% | 0.58% | 3.97% | 2.61% | 5.29% | +477 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.50% | 0.54% | 0.55% | 0.59% | 0.58% | +8 bps | |
| Capital | |||||||
| Risk-Based Capital | 19.64% | 19.89% | 19.84% | 19.16% | 18.19% | -146 bps | |
| Net Worth / Assets | 19.64% | 19.89% | 19.84% | 19.16% | 18.19% | -146 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 68.44% | 66.62% | 66.29% | 62.38% | 62.09% | -635 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Birmingham, AL · Charter 62356 · Peer group: credit unions under $1B in assets in the Birmingham, AL area (n=29)
NCUA · 1 branch
Q2 2026
Return on Assets
-2.03%
Rank 29 of 29
Net Interest Margin
4.67%
Rank 8 of 29
Efficiency Ratio
133.86%
Rank 29 of 29
Equity / Assets
18.19%
Rank 9 of 29
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.03% | 0.26% | 0.65% | 1.06% | Beats 0% | 29 / 29 | |
| Return on Equity | -11.19% | 2.33% | 4.15% | 7.02% | Beats 3% | 28 / 29 | |
| Net Interest Margin | 4.67% | 3.29% | 3.80% | 4.67% | Beats 72% | 8 / 29 | |
| Efficiency Ratio | 133.86% | 67.71% | 81.00% | 89.29% | Beats 3% | 29 / 29 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 5.28% | 0.40% | 1.03% | 1.72% | Beats 17% | 25 / 29 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 18.19% | 10.13% | 13.97% | 19.12% | Beats 69% | 9 / 29 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 18.19% | 10.13% | 13.97% | 19.12% | Beats 69% | 9 / 29 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 62.09% | 40.72% | 55.53% | 68.24% | 59th pctl | 12 / 29 | |
| Loans / Assets | 52.54% | 35.46% | 45.52% | 58.70% | 66th pctl | 10 / 29 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||