Hoover, AL · Charter 63834
NCUA · 4 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 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
28
Asset Quality
41
Profitability
67
Liquidity
91
Efficiency
55
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.
Hoover, AL · Charter 63834
NCUA · 4 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 | -0.07% | 0.04% | -0.07% | 0.77% | 0.41% | 0.29% | 0.73% | 0.85% | +7 bps | |
| Return on Equity | -0.77% | 0.41% | -0.76% | 8.78% | 4.26% | 2.95% | 7.26% | 8.20% | -58 bps | |
| Net Interest Margin | 3.30% | 3.29% | 3.28% | 3.61% | 3.89% | 3.92% | 4.06% | 4.10% | +49 bps | |
| Efficiency Ratio | 86.55% | 86.48% | 95.66% | 85.25% | 83.83% | 87.14% | 76.14% | 80.22% | -503 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.80% | 12.37% | 9.46% | 21.20% | 10.68% | 11.29% | 6.95% | -4.80% | -2,600 bps | |
| Loan Growth (YoY) | -5.00% | -3.90% | 1.71% | 22.54% | 21.37% | 17.16% | 7.81% | -11.79% | -3,433 bps | |
| Share Growth (YoY) | 12.57% | 13.12% | 9.84% | 21.98% | 10.03% | 9.18% | 4.86% | -7.18% | -2,916 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.72% | 0.26% | 0.60% | 2.16% | 0.73% | 0.74% | 1.38% | 1.38% | -78 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 | 9.66% | 9.70% | 9.37% | 8.81% | 9.69% | 9.75% | 10.01% | 10.33% | +152 bps | |
| Net Worth / Assets | 9.66% | 9.70% | 9.37% | 8.81% | 9.69% | 9.75% | 10.01% | 10.33% | +152 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 57.25% | 58.02% | 58.08% | 61.16% | 63.16% | 62.26% | 59.71% | 58.13% | -304 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Hoover, AL · Charter 63834 · Peer group: credit unions under $1B in assets in the Birmingham, AL area (n=29)
NCUA · 4 branches
Q2 2026
Return on Assets
0.85%
Rank 10 of 29
Net Interest Margin
4.10%
Rank 12 of 29
Efficiency Ratio
80.21%
Rank 14 of 29
Equity / Assets
10.33%
Rank 21 of 29
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.85% | 0.26% | 0.65% | 1.06% | Beats 66% | 10 / 29 | ||
| Return on Equity | 8.20% | 2.33% | 4.15% | 7.02% | Beats 76% | 7 / 29 | ||
| Net Interest Margin | 4.10% | 3.29% | 3.80% | 4.67% | Beats 59% | 12 / 29 | ||
| Efficiency Ratio | 80.21% | 67.71% | 81.00% | 89.29% | Beats 55% | 14 / 29 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.38% | 0.40% | 1.03% | 1.72% | Beats 41% | 18 / 29 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.33% | 10.13% | 13.97% | 19.12% | Beats 28% | 21 / 29 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.33% | 10.13% | 13.97% | 19.12% | Beats 28% | 21 / 29 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 58.13% | 40.72% | 55.53% | 68.24% | 52nd pctl | 14 / 29 | ||
| Loans / Assets | 51.47% | 35.46% | 45.52% | 58.70% | 62nd pctl | 11 / 29 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||