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Eco

Birmingham, AL · Charter 65464

NCUA · 7 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Birmingham, AL area3

Basis

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.

Peer group

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.

Peer standing

Capital

31

Q2 2024Q2 2026peer median (50)

Asset Quality

62

Q2 2024Q2 2026peer median (50)

Profitability

43

Q2 2024Q2 2026peer median (50)

Liquidity

100

Q2 2024Q2 2026peer median

Efficiency

52

Q2 2024Q2 2026peer 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 2026-10-11

Eco

Birmingham, AL · Charter 65464

NCUA · 7 branches

Q2 2026

$195.1MAssets
$99.8MLoans
$179.7MShares
$23.0MNet 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 0.66%, up 39 bps year over year; NIM at 3.12%.
  • Asset quality: problem loans at 0.86% of loans (+22 bps YoY).
  • Capital: net worth / assets of 11.78%, up 5 bps from a year ago.
  • Funding: loans stand at 55.53% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.66%+39 bps YoY

Net Interest Margin (YTD, annualized)

3.12%+24 bps YoY

Efficiency Ratio (YTD, annualized)

81.00%-743 bps YoY

Net Worth / Assets

11.78%+5 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.27%0.37%0.40%0.37%0.66%+39 bps
Return on Equity2.32%3.13%3.38%3.17%5.63%+331 bps
Net Interest Margin2.89%2.94%3.00%3.04%3.12%+24 bps
Efficiency Ratio88.42%87.09%87.32%86.06%81.00%-743 bps
Growth
Asset Growth (YoY)0.37%1.02%3.58%4.84%4.85%+448 bps
Loan Growth (YoY)-1.79%4.31%8.06%8.54%8.31%+1,010 bps
Share Growth (YoY)-0.93%-0.31%1.90%2.49%2.33%+326 bps
Asset Quality
Delinquent Loans / Loans0.65%0.55%0.82%0.82%0.86%+22 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 Capital11.74%11.75%11.89%11.59%11.78%+5 bps
Net Worth / Assets11.74%11.75%11.89%11.59%11.78%+5 bps
Liquidity & Funding
Loans / Shares52.47%55.02%56.65%55.08%55.53%+306 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 2026-10-11

Eco

Birmingham, AL · Charter 65464 · Peer group: credit unions under $1B in assets in the Birmingham, AL area (n=29)

NCUA · 7 branches

Q2 2026

$195.1MAssets
$99.8MLoans
$179.7MShares
$23.0MNet Worth

Executive Summary

  • Strongest standing: return on equity outperforms 62% of credit unions under $1B in assets in the Birmingham, AL area (rank 11 of 29).
  • Widest gap: net interest margin trails 86% of credit unions under $1B in assets in the Birmingham, AL area (rank 25 of 29).
  • Overall: at or above the peer median on 4 of 7 directional measures.

Return on Assets

0.66%

Rank 14 of 29

Net Interest Margin

3.12%

Rank 25 of 29

Efficiency Ratio

81.00%

Rank 15 of 29

Equity / Assets

11.78%

Rank 20 of 29

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.66%0.26%0.65%1.06%Beats 52%14 / 29
Return on Equity5.63%2.33%4.15%7.02%Beats 62%11 / 29
Net Interest Margin3.12%3.29%3.80%4.67%Beats 14%25 / 29
Efficiency Ratio81.00%67.71%81.00%89.29%Beats 52%15 / 29
Asset Quality
Nonperforming Loans / Loans0.86%0.40%1.03%1.72%Beats 62%12 / 29
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio11.78%10.13%13.97%19.12%Beats 31%20 / 29
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets11.78%10.13%13.97%19.12%Beats 31%20 / 29
Liquidity & Funding
Loans / Deposits55.53%40.72%55.53%68.24%48th pctl15 / 29
Loans / Assets51.14%35.46%45.52%58.70%59th pctl12 / 29
Brokered Deposits / Depositsn/aNot reported for this institution