Tuscaloosa, AL · Charter 63940
NCUA · 2 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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
1
Asset Quality
49
Profitability
15
Liquidity
57
Efficiency
16
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.
Tuscaloosa, AL · Charter 63940
NCUA · 2 branches
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 | -0.16% | -1.12% | -1.57% | 0.73% | -0.64% | -48 bps | |
| Return on Equity | -2.15% | -16.44% | -26.11% | 11.62% | -10.89% | -874 bps | |
| Net Interest Margin | 3.13% | 3.50% | 3.59% | 3.85% | 3.58% | +45 bps | |
| Efficiency Ratio | 99.25% | 96.07% | 92.92% | 86.82% | 91.17% | -808 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.16% | -7.89% | -6.55% | -7.45% | -4.63% | +53 bps | |
| Loan Growth (YoY) | 0.67% | -7.34% | -12.35% | -15.92% | -18.75% | -1,942 bps | |
| Share Growth (YoY) | -7.18% | -4.86% | -3.35% | -1.31% | 1.13% | +831 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.26% | 0.90% | 0.44% | 0.73% | 0.68% | -59 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 | 7.28% | 6.84% | 6.02% | 6.29% | 5.84% | -144 bps | |
| Net Worth / Assets | 7.28% | 6.84% | 6.02% | 6.29% | 5.84% | -144 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 70.02% | 67.26% | 62.94% | 59.73% | 56.26% | -1,376 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Tuscaloosa, AL · Charter 63940 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
-0.64%
Rank 1,583 of 1,683
Net Interest Margin
3.58%
Rank 1,058 of 1,683
Efficiency Ratio
91.10%
Rank 1,415 of 1,682
Equity / Assets
5.84%
Rank 1,672 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.64% | 0.35% | 0.74% | 1.18% | Beats 6% | 1,583 / 1,683 | |
| Return on Equity | -10.93% | 2.67% | 5.89% | 8.74% | Beats 3% | 1,628 / 1,681 | |
| Net Interest Margin | 3.58% | 3.31% | 3.82% | 4.32% | Beats 37% | 1,058 / 1,683 | |
| Efficiency Ratio | 91.10% | 68.91% | 78.20% | 86.93% | Beats 16% | 1,415 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.68% | 0.26% | 0.65% | 1.29% | Beats 49% | 859 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 5.84% | 10.44% | 12.89% | 16.53% | Beats 1% | 1,672 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 5.84% | 10.44% | 12.89% | 16.53% | Beats 1% | 1,672 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 56.26% | 52.61% | 69.38% | 83.50% | 30th pctl | 1,181 / 1,683 | |
| Loans / Assets | 44.48% | 44.71% | 59.18% | 70.72% | 25th pctl | 1,270 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||