Birmingham Police
Birmingham, AL · Charter 64603 · Peer group: credit unions under $1B in assets (n=1,675-1,678)
NCUA · 2 branches
Q1 2025
$10.9MAssets
$7.2MLoans
$10.1MShares
$992KNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 94% of credit unions under $1B in assets (rank 104 of 1677).
- Widest gap: nonperforming loans / loans trails 98% of credit unions under $1B in assets (rank 1642 of 1676).
- Overall: at or above the peer median on 1 of 7 directional measures.
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 | 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 |