Sheffield, AL · Charter 63057
NCUA · 18 branches
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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
55
Asset Quality
57
Profitability
49
Liquidity
78
Efficiency
12
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.
Sheffield, AL · Charter 63057
NCUA · 18 branches
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 | 0.45% | 0.35% | 0.09% | 0.39% | 0.47% | 0.52% | 0.43% | 0.75% | +36 bps | |
| Return on Equity | 4.18% | 3.23% | 0.85% | 3.60% | 4.28% | 4.74% | 3.91% | 6.78% | +318 bps | |
| Net Interest Margin | 2.68% | 2.68% | 2.78% | 3.13% | 3.30% | 3.35% | 3.45% | 3.59% | +46 bps | |
| Efficiency Ratio | 84.01% | 85.68% | 91.66% | 86.61% | 86.18% | 85.39% | 84.62% | 81.77% | -484 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.64% | 0.92% | -0.64% | 0.32% | 0.44% | 1.05% | 1.59% | 3.13% | +281 bps | |
| Loan Growth (YoY) | -6.03% | -6.56% | -3.36% | -0.19% | 3.45% | 4.82% | 5.44% | 4.45% | +465 bps | |
| Share Growth (YoY) | 0.83% | 0.05% | -1.53% | -0.63% | -0.36% | 0.10% | 0.91% | 2.32% | +295 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.59% | 0.61% | 0.46% | 0.42% | 0.67% | 0.84% | 0.69% | 0.62% | +20 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 | 10.79% | 10.68% | 10.56% | 10.73% | 11.06% | 11.05% | 10.95% | 11.06% | +33 bps | |
| Net Worth / Assets | 10.79% | 10.68% | 10.56% | 10.73% | 11.06% | 11.05% | 10.95% | 11.06% | +33 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 82.23% | 79.88% | 78.58% | 81.57% | 85.38% | 83.65% | 82.12% | 83.27% | +170 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Sheffield, AL · Charter 63057 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 18 branches
Q2 2026
Return on Assets
0.75%
Rank 247 of 435
Net Interest Margin
3.59%
Rank 159 of 435
Efficiency Ratio
81.77%
Rank 382 of 435
Equity / Assets
11.06%
Rank 196 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.75% | 0.55% | 0.81% | 1.14% | Beats 43% | 247 / 435 | ||
| Return on Equity | 6.78% | 5.12% | 7.41% | 9.70% | Beats 42% | 252 / 435 | ||
| Net Interest Margin | 3.59% | 3.01% | 3.39% | 3.75% | Beats 63% | 159 / 435 | ||
| Efficiency Ratio | 81.77% | 65.25% | 71.39% | 77.86% | Beats 12% | 382 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.62% | 0.45% | 0.69% | 1.05% | Beats 57% | 190 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.06% | 9.81% | 10.84% | 12.63% | Beats 55% | 196 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.06% | 9.81% | 10.84% | 12.63% | Beats 55% | 196 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 83.27% | 78.33% | 88.38% | 95.61% | 36th pctl | 279 / 435 | ||
| Loans / Assets | 74.07% | 67.69% | 74.58% | 80.80% | 48th pctl | 228 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||