Birmingham, AL · Charter 64594
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 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
90
Asset Quality
69
Profitability
44
Liquidity
21
Efficiency
97
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 64594
NCUA · 2 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 | 0.97% | 1.04% | 0.70% | 1.02% | 0.63% | 0.37% | 0.49% | 0.84% | -18 bps | |
| Return on Equity | 2.65% | 2.85% | 1.89% | 2.79% | 1.69% | 1.02% | 1.35% | 2.35% | -44 bps | |
| Net Interest Margin | 3.06% | 3.22% | 3.15% | 3.30% | 1.32% | 1.00% | 3.40% | 3.80% | +50 bps | |
| Efficiency Ratio | 62.68% | 62.58% | 72.75% | 64.31% | 46.77% | 52.79% | 59.73% | 50.39% | -1,392 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.86% | -2.14% | -0.81% | 2.36% | 2.21% | 3.02% | 4.50% | 5.03% | +267 bps | |
| Loan Growth (YoY) | -2.24% | -0.38% | -0.94% | -0.32% | 4.30% | 5.31% | 2.43% | 4.06% | +437 bps | |
| Share Growth (YoY) | -7.41% | -4.79% | -3.11% | 1.83% | 1.09% | 2.46% | 5.17% | 6.05% | +422 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.76% | 3.47% | 3.32% | 2.80% | 2.32% | 0.39% | 0.37% | 0.80% | -200 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 | 1.67% | 1.86% | 1.97% | 1.99% | 1.75% | 0.53% | 0.71% | 1.31% | -68 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 36.65% | 36.49% | 36.78% | 36.51% | 37.16% | 36.67% | 36.33% | 35.86% | -65 bps | |
| Net Worth / Assets | 36.65% | 36.49% | 36.78% | 36.51% | 37.16% | 36.67% | 36.33% | 35.86% | -65 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 79.93% | 76.23% | 77.60% | 78.96% | 82.47% | 78.35% | 75.58% | 77.48% | -148 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Birmingham, AL · Charter 64594 · Peer group: credit unions under $1B in assets in the Birmingham, AL area (n=29)
NCUA · 2 branches
Q2 2026
Return on Assets
0.84%
Rank 12 of 29
Net Interest Margin
3.80%
Rank 15 of 29
Efficiency Ratio
50.00%
Rank 2 of 29
Equity / Assets
35.87%
Rank 3 of 29
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.84% | 0.26% | 0.65% | 1.06% | Beats 59% | 12 / 29 | ||
| Return on Equity | 2.33% | 2.33% | 4.15% | 7.02% | Beats 24% | 22 / 29 | ||
| Net Interest Margin | 3.80% | 3.29% | 3.80% | 4.67% | Beats 48% | 15 / 29 | ||
| Efficiency Ratio | 50.00% | 67.71% | 81.00% | 89.29% | Beats 97% | 2 / 29 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.79% | 0.40% | 1.03% | 1.72% | Beats 69% | 10 / 29 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 35.87% | 10.13% | 13.97% | 19.12% | Beats 90% | 3 / 29 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 35.87% | 10.13% | 13.97% | 19.12% | Beats 90% | 3 / 29 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 77.49% | 40.72% | 55.53% | 68.24% | 83rd pctl | 5 / 29 | ||
| Loans / Assets | 49.43% | 35.46% | 45.52% | 58.70% | 55th pctl | 13 / 29 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||