Birmingham, AL · Charter 64645
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
97
Asset Quality
79
Profitability
78
Liquidity
70
Efficiency
79
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 64645
NCUA · 1 branch
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 | 2.66% | 2.47% | 2.54% | 2.29% | 2.46% | 2.24% | 2.02% | 1.85% | -45 bps | |
| Return on Equity | 6.06% | 5.53% | 5.73% | 5.32% | 5.66% | 5.14% | 4.57% | 4.16% | -116 bps | |
| Net Interest Margin | 6.23% | 6.15% | 6.22% | 5.76% | 5.87% | 5.72% | 5.75% | 5.42% | -34 bps | |
| Efficiency Ratio | 58.74% | 61.19% | 60.05% | 61.62% | 59.35% | 61.99% | 65.44% | 67.17% | +556 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.97% | 0.97% | 1.20% | 7.53% | 6.69% | 7.78% | 5.44% | 1.62% | -591 bps | |
| Loan Growth (YoY) | -4.86% | -2.63% | 6.66% | 2.33% | 3.24% | 2.40% | -6.03% | 1.04% | -129 bps | |
| Share Growth (YoY) | -1.09% | -2.74% | -2.10% | 9.12% | 7.63% | 9.79% | 5.73% | -0.79% | -991 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.38% | 3.07% | 2.61% | 1.77% | 4.50% | 2.66% | 2.84% | 0.28% | -148 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 | 2.60% | 2.56% | 2.18% | 2.42% | 2.37% | 2.59% | 2.81% | 2.76% | +34 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 43.99% | 44.63% | 44.39% | 43.13% | 43.52% | 43.65% | 44.24% | 44.48% | +134 bps | |
| Net Worth / Assets | 43.99% | 44.63% | 44.39% | 43.13% | 43.52% | 43.65% | 44.24% | 44.48% | +134 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 67.26% | 68.41% | 69.23% | 62.82% | 64.52% | 63.81% | 61.53% | 63.98% | +116 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 64645 · Peer group: credit unions under $1B in assets in the Birmingham, AL area (n=29)
NCUA · 1 branch
Q2 2026
Return on Assets
1.84%
Rank 2 of 29
Net Interest Margin
5.41%
Rank 2 of 29
Efficiency Ratio
67.22%
Rank 7 of 29
Equity / Assets
44.48%
Rank 1 of 29
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.84% | 0.26% | 0.65% | 1.06% | Beats 93% | 2 / 29 | ||
| Return on Equity | 4.15% | 2.33% | 4.15% | 7.02% | Beats 48% | 15 / 29 | ||
| Net Interest Margin | 5.41% | 3.29% | 3.80% | 4.67% | Beats 93% | 2 / 29 | ||
| Efficiency Ratio | 67.22% | 67.71% | 81.00% | 89.29% | Beats 79% | 7 / 29 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.26% | 0.40% | 1.03% | 1.72% | Beats 79% | 7 / 29 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 44.48% | 10.13% | 13.97% | 19.12% | Beats 97% | 1 / 29 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 44.48% | 10.13% | 13.97% | 19.12% | Beats 97% | 1 / 29 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 63.99% | 40.72% | 55.53% | 68.24% | 66th pctl | 10 / 29 | ||
| Loans / Assets | 35.46% | 35.46% | 45.52% | 58.70% | 24th pctl | 22 / 29 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||