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
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.66% | 0.26% | 0.65% | 1.06% | Beats 52% | 14 / 29 | | |
| Return on Equity | 5.63% | 2.33% | 4.15% | 7.02% | Beats 62% | 11 / 29 | | |
| Net Interest Margin | 3.12% | 3.29% | 3.80% | 4.67% | Beats 14% | 25 / 29 | | |
| Efficiency Ratio | 81.00% | 67.71% | 81.00% | 89.29% | Beats 52% | 15 / 29 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.86% | 0.40% | 1.03% | 1.72% | Beats 62% | 12 / 29 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.78% | 10.13% | 13.97% | 19.12% | Beats 31% | 20 / 29 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.78% | 10.13% | 13.97% | 19.12% | Beats 31% | 20 / 29 | | |
| Liquidity & Funding |
| Loans / Deposits | 55.53% | 40.72% | 55.53% | 68.24% | 48th pctl | 15 / 29 | | |
| Loans / Assets | 51.14% | 35.46% | 45.52% | 58.70% | 59th pctl | 12 / 29 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |