Federal Employees
Birmingham, AL · Charter 62599 · Peer group: credit unions under $1B in assets in the Birmingham, AL area (n=29)
NCUA · 1 branch
Q2 2026
$19.7MAssets
$9.6MLoans
$16.3MShares
$3.3MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 69% of credit unions under $1B in assets in the Birmingham, AL area (rank 9 of 29).
- Widest gap: return on equity trails 79% of credit unions under $1B in assets in the Birmingham, AL area (rank 23 of 29).
- Overall: at or above the peer median on 3 of 7 directional measures.
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 | 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 |