Montgomery, AL · Charter 68575
NCUA · 16 branches
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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
90
Asset Quality
51
Profitability
71
Liquidity
0
Efficiency
83
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.
Montgomery, AL · Charter 68575
NCUA · 16 branches
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 | 0.99% | 1.08% | 1.10% | 1.19% | 1.31% | 1.32% | 1.74% | 1.60% | +40 bps | |
| Return on Equity | 7.37% | 7.84% | 8.16% | 8.65% | 9.32% | 9.36% | 12.13% | 11.00% | +235 bps | |
| Net Interest Margin | 3.07% | 3.14% | 3.12% | 3.20% | 3.22% | 3.19% | 3.17% | 3.16% | -5 bps | |
| Efficiency Ratio | 70.90% | 68.84% | 67.80% | 66.64% | 65.40% | 65.16% | 59.63% | 61.40% | -524 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.20% | 3.33% | 5.17% | 5.40% | 4.28% | 7.51% | 4.61% | 5.68% | +28 bps | |
| Loan Growth (YoY) | 11.80% | 8.22% | 1.85% | -1.72% | -4.68% | -3.15% | -1.29% | -0.87% | +85 bps | |
| Share Growth (YoY) | 4.50% | 2.57% | 4.08% | 3.98% | 2.80% | 5.02% | 2.34% | 4.12% | +14 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.80% | 0.91% | 0.80% | 0.84% | 0.90% | 0.89% | 0.70% | 0.68% | -16 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.40% | 13.82% | 13.51% | 13.79% | 14.10% | 14.13% | 14.34% | 14.52% | +73 bps | |
| Net Worth / Assets | 13.40% | 13.82% | 13.51% | 13.79% | 14.10% | 14.13% | 14.34% | 14.52% | +73 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 62.80% | 62.49% | 59.04% | 59.07% | 58.23% | 57.62% | 56.95% | 56.24% | -283 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Montgomery, AL · Charter 68575 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 16 branches
Q2 2026
Return on Assets
1.60%
Rank 26 of 435
Net Interest Margin
3.16%
Rank 287 of 435
Efficiency Ratio
61.40%
Rank 75 of 435
Equity / Assets
14.52%
Rank 44 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.60% | 0.55% | 0.81% | 1.14% | Beats 94% | 26 / 435 | ||
| Return on Equity | 11.00% | 5.12% | 7.41% | 9.70% | Beats 85% | 67 / 435 | ||
| Net Interest Margin | 3.16% | 3.01% | 3.39% | 3.75% | Beats 34% | 287 / 435 | ||
| Efficiency Ratio | 61.40% | 65.25% | 71.39% | 77.86% | Beats 83% | 75 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.68% | 0.45% | 0.69% | 1.05% | Beats 51% | 215 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.52% | 9.81% | 10.84% | 12.63% | Beats 90% | 44 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 14.52% | 9.81% | 10.84% | 12.63% | Beats 90% | 44 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 56.24% | 78.33% | 88.38% | 95.61% | 5th pctl | 414 / 435 | ||
| Loans / Assets | 48.51% | 67.69% | 74.58% | 80.80% | 5th pctl | 415 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||