Birmingham, AL · Charter 64528
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
72
Asset Quality
55
Profitability
54
Liquidity
0
Efficiency
17
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 64528
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 | 4.05% | 3.42% | 2.32% | -0.09% | 0.49% | -356 bps | |
| Return on Equity | 20.53% | 16.27% | 11.82% | -0.47% | 2.56% | -1,797 bps | |
| Net Interest Margin | 8.22% | 8.64% | 8.06% | 7.58% | 8.08% | -13 bps | |
| Efficiency Ratio | 58.17% | 63.48% | 70.47% | 100.93% | 91.74% | +3,357 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.99% | -0.86% | 9.07% | 6.00% | -0.55% | +44 bps | |
| Loan Growth (YoY) | -7.93% | -10.29% | -9.59% | -10.98% | -6.93% | +100 bps | |
| Share Growth (YoY) | -4.00% | -3.92% | 8.39% | 6.05% | 2.04% | +604 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.37% | 1.43% | 1.67% | 0.26% | 0.92% | -45 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.17% | 2.71% | 1.94% | 0.62% | 0.00% | -417 bps | |
| Capital | |||||||
| Risk-Based Capital | 19.71% | 21.00% | 19.64% | 19.14% | 19.12% | -59 bps | |
| Net Worth / Assets | 19.71% | 21.00% | 19.64% | 19.14% | 19.12% | -59 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 93.54% | 92.02% | 87.24% | 79.52% | 85.31% | -823 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Birmingham, AL · Charter 64528 · Peer group: credit unions under $1B in assets in the Birmingham, AL area (n=29)
NCUA · 1 branch
Q2 2026
Return on Assets
0.50%
Rank 18 of 29
Net Interest Margin
8.07%
Rank 1 of 29
Efficiency Ratio
91.99%
Rank 25 of 29
Equity / Assets
19.12%
Rank 8 of 29
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.50% | 0.26% | 0.65% | 1.06% | Beats 38% | 18 / 29 | |
| Return on Equity | 2.60% | 2.33% | 4.15% | 7.02% | Beats 28% | 21 / 29 | |
| Net Interest Margin | 8.07% | 3.29% | 3.80% | 4.67% | Beats 97% | 1 / 29 | |
| Efficiency Ratio | 91.99% | 67.71% | 81.00% | 89.29% | Beats 17% | 25 / 29 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.93% | 0.40% | 1.03% | 1.72% | Beats 55% | 14 / 29 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 19.12% | 10.13% | 13.97% | 19.12% | Beats 72% | 8 / 29 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 19.12% | 10.13% | 13.97% | 19.12% | Beats 72% | 8 / 29 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 85.32% | 40.72% | 55.53% | 68.24% | 90th pctl | 3 / 29 | |
| Loans / Assets | 69.11% | 35.46% | 45.52% | 58.70% | 86th pctl | 4 / 29 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||