Rainbow City, AL · Charter 68628
NCUA · 15 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
9
Asset Quality
26
Profitability
56
Liquidity
39
Efficiency
8
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.
Rainbow City, AL · Charter 68628
NCUA · 15 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 | 0.57% | 0.69% | 0.86% | 0.65% | 0.65% | +8 bps | |
| Return on Equity | 6.94% | 8.06% | 9.94% | 7.47% | 7.37% | +43 bps | |
| Net Interest Margin | 3.57% | 3.72% | 3.71% | 3.88% | 3.93% | +36 bps | |
| Efficiency Ratio | 84.51% | 81.65% | 78.92% | 84.59% | 85.05% | +54 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 11.23% | 9.36% | 10.80% | 7.26% | 3.68% | -755 bps | |
| Loan Growth (YoY) | 13.46% | 13.59% | 12.39% | 6.90% | 5.11% | -836 bps | |
| Share Growth (YoY) | 12.96% | 10.20% | 11.49% | 7.45% | 3.59% | -937 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.99% | 0.95% | 1.17% | 1.09% | 1.03% | +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 | 8.25% | 8.53% | 8.68% | 8.71% | 8.86% | +61 bps | |
| Net Worth / Assets | 8.25% | 8.53% | 8.68% | 8.71% | 8.86% | +61 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 95.48% | 98.91% | 97.95% | 95.91% | 96.88% | +140 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Rainbow City, AL · Charter 68628 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 15 branches
Q2 2026
Return on Assets
0.65%
Rank 293 of 435
Net Interest Margin
3.93%
Rank 68 of 435
Efficiency Ratio
85.05%
Rank 402 of 435
Equity / Assets
8.86%
Rank 395 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.65% | 0.55% | 0.81% | 1.14% | Beats 33% | 293 / 435 | |
| Return on Equity | 7.37% | 5.12% | 7.41% | 9.70% | Beats 50% | 219 / 435 | |
| Net Interest Margin | 3.93% | 3.01% | 3.39% | 3.75% | Beats 84% | 68 / 435 | |
| Efficiency Ratio | 85.05% | 65.25% | 71.39% | 77.86% | Beats 8% | 402 / 435 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.03% | 0.45% | 0.69% | 1.05% | Beats 26% | 321 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 8.86% | 9.81% | 10.84% | 12.63% | Beats 9% | 395 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 8.86% | 9.81% | 10.84% | 12.63% | Beats 9% | 395 / 435 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 96.88% | 78.33% | 88.38% | 95.61% | 78th pctl | 95 / 435 | |
| Loans / Assets | 82.32% | 67.69% | 74.58% | 80.80% | 84th pctl | 69 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||