Birmingham, AL · Charter 62599
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
59
Asset Quality
31
Profitability
37
Liquidity
87
Efficiency
34
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 62599
NCUA · 1 branch
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.12% | 0.11% | 0.11% | 0.18% | 0.23% | 0.12% | 0.11% | 0.15% | -3 bps | |
| Return on Equity | 0.72% | 0.62% | 0.63% | 1.12% | 1.41% | 0.72% | 0.65% | 0.89% | -23 bps | |
| Net Interest Margin | 3.47% | 3.62% | 3.86% | 3.67% | 3.99% | 4.15% | 4.34% | 4.35% | +68 bps | |
| Efficiency Ratio | 94.54% | 94.51% | 91.51% | 89.19% | 86.12% | 87.41% | 90.39% | 87.08% | -211 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.06% | 5.78% | 5.90% | 12.61% | 5.51% | 2.84% | 0.69% | -4.95% | -1,756 bps | |
| Loan Growth (YoY) | -1.66% | -0.67% | 0.76% | -2.57% | -2.10% | 1.01% | 1.26% | 5.13% | +770 bps | |
| Share Growth (YoY) | 10.74% | 6.84% | 6.91% | 15.22% | 6.53% | 3.23% | 0.79% | -5.89% | -2,111 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.31% | 2.06% | 1.40% | 2.46% | 2.01% | 2.60% | 1.43% | 1.67% | -79 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.21% | 17.16% | 16.76% | 15.70% | 16.50% | 16.81% | 16.76% | 16.62% | +92 bps | |
| Net Worth / Assets | 17.21% | 17.16% | 16.76% | 15.70% | 16.50% | 16.81% | 16.76% | 16.62% | +92 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 61.87% | 61.39% | 58.88% | 52.99% | 56.86% | 60.06% | 59.16% | 59.19% | +620 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Birmingham, AL · Charter 62599 · Peer group: credit unions under $1B in assets in the Birmingham, AL area (n=29)
NCUA · 1 branch
Q2 2026
Return on Assets
0.15%
Rank 23 of 29
Net Interest Margin
4.35%
Rank 9 of 29
Efficiency Ratio
87.11%
Rank 20 of 29
Equity / Assets
16.62%
Rank 12 of 29
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.15% | 0.26% | 0.65% | 1.06% | Beats 21% | 23 / 29 | ||
| Return on Equity | 0.92% | 2.33% | 4.15% | 7.02% | Beats 21% | 23 / 29 | ||
| Net Interest Margin | 4.35% | 3.29% | 3.80% | 4.67% | Beats 69% | 9 / 29 | ||
| Efficiency Ratio | 87.11% | 67.71% | 81.00% | 89.29% | Beats 34% | 20 / 29 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.67% | 0.40% | 1.03% | 1.72% | Beats 31% | 21 / 29 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 16.62% | 10.13% | 13.97% | 19.12% | Beats 59% | 12 / 29 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 16.62% | 10.13% | 13.97% | 19.12% | Beats 59% | 12 / 29 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 59.19% | 40.72% | 55.53% | 68.24% | 55th pctl | 13 / 29 | ||
| Loans / Assets | 48.98% | 35.46% | 45.52% | 58.70% | 52nd pctl | 14 / 29 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||