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Alabama River Employees

Perdue Hill, AL · Charter 65402

NCUA · 1 branch

Q2 2025

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets3

Basis

Quarter: Q2 2025, the quarter ended June 30, 2025, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Credit unions under $1B in assets (n=1,656 to 1,659). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

22

Q2 2024Q2 2025peer median (50)

Asset Quality

24

Q2 2024Q2 2025peer median (50)

Profitability

16

Q2 2024Q2 2025peer median (50)

Liquidity

0

Q2 2024Q2 2025peer median

Efficiency

10

Q2 2024Q2 2025peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

Alabama River Employees

Perdue Hill, AL · Charter 65402

NCUA · 1 branch

Q2 2025

$22.7MAssets
$5.3MLoans
$20.4MShares
$2.3MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.20%, down 2 bps year over year; NIM at 2.66%.
  • Asset quality: problem loans at 1.37% of loans (+83 bps YoY).
  • Capital: net worth / assets of 9.96%, up 14 bps from a year ago.
  • Funding: loans stand at 25.96% of shares as of Q2 2025.

Financial Results

Return on Assets (YTD, annualized)

0.20%-2 bps YoY

Net Interest Margin (YTD, annualized)

2.66%+12 bps YoY

Efficiency Ratio (YTD, annualized)

94.74%+49 bps YoY

Net Worth / Assets

9.96%+14 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2024Q3 2024Q4 2024Q1 2025Q2 2025YoY ΔTrend
Earnings
Return on Assets0.21%0.26%0.10%0.28%0.20%-2 bps
Return on Equity2.18%2.71%1.03%2.92%1.97%-21 bps
Net Interest Margin2.53%2.52%2.59%2.53%2.66%+12 bps
Efficiency Ratio94.26%92.81%95.88%92.16%94.74%+49 bps
Growth
Asset Growth (YoY)2.75%5.77%4.74%-0.92%-0.44%-319 bps
Loan Growth (YoY)-10.27%-8.17%-13.74%-11.53%-11.90%-162 bps
Share Growth (YoY)3.20%6.47%5.65%-0.69%-0.08%-328 bps
Asset Quality
Delinquent Loans / Loans0.54%1.89%2.28%1.59%1.37%+83 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.83%9.77%9.80%9.65%9.96%+14 bps
Net Worth / Assets9.83%9.77%9.80%9.65%9.96%+14 bps
Liquidity & Funding
Loans / Shares29.44%28.68%27.40%26.50%25.96%-348 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-10

Alabama River Employees

Perdue Hill, AL · Charter 65402 · Peer group: credit unions under $1B in assets (n=1,656-1,659)

NCUA · 1 branch

Q2 2025

$22.7MAssets
$5.3MLoans
$20.4MShares
$2.3MNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 24% of credit unions under $1B in assets (rank 1255 of 1657).
  • Widest gap: net interest margin trails 92% of credit unions under $1B in assets (rank 1522 of 1658).
  • Overall: at or above the peer median on 0 of 7 directional measures.

Return on Assets

0.19%

Rank 1,360 of 1,659

Net Interest Margin

2.66%

Rank 1,522 of 1,658

Efficiency Ratio

94.80%

Rank 1,489 of 1,656

Equity / Assets

9.96%

Rank 1,300 of 1,658

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.19%0.35%0.78%1.25%Beats 18%1,360 / 1,659
Return on Equity1.95%2.75%6.06%9.41%Beats 21%1,316 / 1,657
Net Interest Margin2.66%3.20%3.76%4.33%Beats 8%1,522 / 1,658
Efficiency Ratio94.80%67.69%77.34%85.79%Beats 10%1,489 / 1,656
Asset Quality
Nonperforming Loans / Loans1.38%0.24%0.65%1.35%Beats 24%1,255 / 1,657
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio9.96%10.20%12.57%16.16%Beats 22%1,301 / 1,659
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets9.96%10.20%12.57%16.15%Beats 22%1,300 / 1,658
Liquidity & Funding
Loans / Deposits25.96%54.91%71.55%84.72%3rd pctl1,604 / 1,658
Loans / Assets23.28%46.17%60.56%71.91%4th pctl1,593 / 1,658
Brokered Deposits / Depositsn/aNot reported for this institution