Birmingham, AL · Charter 64603
NCUA · 2 branches
Q1 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2025, the quarter ended March 31, 2025, 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=1,675 to 1,678). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
15
Asset Quality
2
Profitability
33
Liquidity
96
Efficiency
3
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 64603
NCUA · 2 branches
Q1 2025
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 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.63% | -4.17% | -3.80% | -0.02% | -2.21% | -1.69% | -2.04% | -1.77% | -175 bps | |
| Return on Equity | 4.64% | -36.00% | -33.11% | -0.15% | -21.38% | -16.38% | -20.42% | -19.41% | -1,926 bps | |
| Net Interest Margin | 6.24% | 6.86% | 7.07% | 5.68% | 5.75% | 5.82% | 5.90% | 5.27% | -42 bps | |
| Efficiency Ratio | 92.84% | 89.85% | 97.73% | 100.20% | 106.57% | 106.35% | 103.71% | 123.37% | +2,317 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -20.48% | -27.35% | -23.26% | -11.60% | -12.08% | -4.60% | -4.63% | -5.50% | +609 bps | |
| Loan Growth (YoY) | -14.25% | -12.88% | -8.44% | -9.09% | -10.84% | -16.21% | -17.70% | -19.84% | -1,074 bps | |
| Share Growth (YoY) | -25.01% | -31.82% | -24.50% | -10.01% | -6.67% | 1.06% | -0.44% | 1.76% | +1,177 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.42% | 2.80% | 4.15% | 6.15% | 7.13% | 4.38% | 4.99% | 5.86% | -29 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 | 1.09% | 5.80% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.53% | 11.58% | 11.47% | 10.78% | 10.33% | 10.32% | 9.98% | 9.12% | -167 bps | |
| Net Worth / Assets | 13.53% | 11.58% | 11.47% | 10.78% | 10.33% | 10.32% | 9.98% | 9.12% | -167 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 90.12% | 101.84% | 95.68% | 90.28% | 86.10% | 84.44% | 79.09% | 71.11% | -1,916 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 64603 · Peer group: credit unions under $1B in assets (n=1,675-1,678)
NCUA · 2 branches
Q1 2025
Return on Assets
-1.76%
Rank 1,629 of 1,678
Net Interest Margin
5.29%
Rank 104 of 1,677
Efficiency Ratio
123.11%
Rank 1,620 of 1,675
Equity / Assets
9.11%
Rank 1,421 of 1,677
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -1.76% | 0.24% | 0.67% | 1.21% | Beats 3% | 1,629 / 1,678 | ||
| Return on Equity | -19.35% | 1.96% | 5.37% | 8.99% | Beats 2% | 1,645 / 1,675 | ||
| Net Interest Margin | 5.29% | 3.12% | 3.67% | 4.25% | Beats 94% | 104 / 1,677 | ||
| Efficiency Ratio | 123.11% | 68.92% | 78.89% | 88.44% | Beats 3% | 1,620 / 1,675 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 5.87% | 0.21% | 0.58% | 1.19% | Beats 2% | 1,642 / 1,676 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.12% | 10.02% | 12.33% | 15.89% | Beats 15% | 1,422 / 1,678 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.11% | 10.02% | 12.33% | 15.89% | Beats 15% | 1,421 / 1,677 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 71.11% | 54.28% | 70.33% | 83.29% | 51st pctl | 815 / 1,677 | ||
| Loans / Assets | 66.24% | 46.21% | 59.98% | 70.96% | 64th pctl | 609 / 1,677 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||