Health
Birmingham, AL · Charter 62664 · Peer group: credit unions under $1B in assets in the Birmingham, AL area (n=29)
NCUA · 1 branch
Q2 2026
$27.6MAssets
$19.8MLoans
$21.1MShares
$6.2MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 86% of credit unions under $1B in assets in the Birmingham, AL area (rank 4 of 29).
- Widest gap: return on equity trails 83% of credit unions under $1B in assets in the Birmingham, AL area (rank 24 of 29).
- Overall: at or above the peer median on 4 of 7 directional measures.
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 |