Birmingham, AL · Charter 62664
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
76
Asset Quality
24
Profitability
40
Liquidity
0
Efficiency
76
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 62664
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 | -0.41% | -0.03% | -0.12% | 0.13% | 0.13% | +54 bps | |
| Return on Equity | -1.93% | -0.15% | -0.53% | 0.60% | 0.59% | +251 bps | |
| Net Interest Margin | 4.71% | 4.81% | 4.94% | 4.99% | 4.97% | +26 bps | |
| Efficiency Ratio | 62.53% | 61.52% | 63.71% | 67.41% | 67.80% | +528 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.73% | 1.38% | -1.41% | -4.39% | -3.26% | -598 bps | |
| Loan Growth (YoY) | -2.77% | -1.13% | 5.94% | 9.44% | 14.13% | +1,690 bps | |
| Share Growth (YoY) | 2.76% | 0.46% | -0.95% | -5.41% | -4.54% | -730 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.40% | 2.73% | 2.14% | 2.28% | 1.72% | -168 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 | 21.45% | 21.77% | 22.20% | 22.42% | 22.33% | +88 bps | |
| Net Worth / Assets | 21.45% | 21.77% | 22.20% | 22.42% | 22.33% | +88 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 78.39% | 82.60% | 89.34% | 92.00% | 93.72% | +1,532 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Birmingham, AL · Charter 62664 · Peer group: credit unions under $1B in assets in the Birmingham, AL area (n=29)
NCUA · 1 branch
Q2 2026
Return on Assets
0.13%
Rank 24 of 29
Net Interest Margin
4.97%
Rank 4 of 29
Efficiency Ratio
67.71%
Rank 8 of 29
Equity / Assets
22.33%
Rank 7 of 29
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.13% | 0.26% | 0.65% | 1.06% | Beats 17% | 24 / 29 | |
| Return on Equity | 0.59% | 2.33% | 4.15% | 7.02% | Beats 17% | 24 / 29 | |
| Net Interest Margin | 4.97% | 3.29% | 3.80% | 4.67% | Beats 86% | 4 / 29 | |
| Efficiency Ratio | 67.71% | 67.71% | 81.00% | 89.29% | Beats 76% | 8 / 29 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.72% | 0.40% | 1.03% | 1.72% | Beats 24% | 23 / 29 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 22.33% | 10.13% | 13.97% | 19.12% | Beats 76% | 7 / 29 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 22.33% | 10.13% | 13.97% | 19.12% | Beats 76% | 7 / 29 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 93.72% | 40.72% | 55.53% | 68.24% | 93rd pctl | 2 / 29 | |
| Loans / Assets | 71.79% | 35.46% | 45.52% | 58.70% | 90th pctl | 3 / 29 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||