Tuscaloosa, AL · Charter 68595
NCUA · 29 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
12
Asset Quality
37
Profitability
28
Liquidity
74
Efficiency
14
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.
Tuscaloosa, AL · Charter 68595
NCUA · 29 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.28% | 0.33% | 0.37% | 0.54% | 0.59% | +30 bps | |
| Return on Equity | 3.18% | 3.71% | 4.22% | 6.06% | 6.47% | +330 bps | |
| Net Interest Margin | 2.41% | 2.50% | 2.53% | 2.78% | 2.85% | +44 bps | |
| Efficiency Ratio | 88.79% | 87.59% | 86.49% | 82.04% | 81.45% | -734 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 16.41% | 13.50% | 11.05% | 8.27% | 5.62% | -1,080 bps | |
| Loan Growth (YoY) | 8.88% | 10.88% | 12.19% | 12.24% | 13.27% | +439 bps | |
| Share Growth (YoY) | 15.13% | 14.66% | 11.80% | 8.14% | 5.44% | -969 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.81% | 0.83% | 0.92% | 0.68% | 0.85% | +4 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.92% | 8.94% | 8.82% | 8.99% | 9.08% | +15 bps | |
| Net Worth / Assets | 8.92% | 8.94% | 8.82% | 8.99% | 9.08% | +15 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 76.54% | 77.91% | 79.69% | 79.45% | 82.23% | +568 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Tuscaloosa, AL · Charter 68595 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 29 branches
Q2 2026
Return on Assets
0.59%
Rank 312 of 435
Net Interest Margin
2.85%
Rank 361 of 435
Efficiency Ratio
81.45%
Rank 376 of 435
Equity / Assets
9.08%
Rank 384 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.59% | 0.55% | 0.81% | 1.14% | Beats 28% | 312 / 435 | |
| Return on Equity | 6.48% | 5.12% | 7.41% | 9.70% | Beats 38% | 269 / 435 | |
| Net Interest Margin | 2.85% | 3.01% | 3.39% | 3.75% | Beats 17% | 361 / 435 | |
| Efficiency Ratio | 81.45% | 65.25% | 71.39% | 77.86% | Beats 14% | 376 / 435 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.85% | 0.45% | 0.69% | 1.05% | Beats 37% | 277 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 9.08% | 9.81% | 10.84% | 12.63% | Beats 12% | 384 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 9.08% | 9.81% | 10.84% | 12.63% | Beats 12% | 384 / 435 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 82.23% | 78.33% | 88.38% | 95.61% | 34th pctl | 289 / 435 | |
| Loans / Assets | 73.66% | 67.69% | 74.58% | 80.80% | 46th pctl | 236 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||