Irondale, AL · Charter 68688
NCUA · 1 branch
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 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.
Capital
55
Asset Quality
93
Profitability
34
Liquidity
0
Efficiency
72
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.
Irondale, AL · Charter 68688
NCUA · 1 branch
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 | 0.30% | 0.17% | 0.38% | 0.34% | 0.43% | 0.36% | 0.64% | 0.65% | +31 bps | |
| Return on Equity | 2.24% | 1.25% | 2.76% | 2.49% | 3.10% | 2.50% | 4.51% | 4.50% | +201 bps | |
| Net Interest Margin | 1.27% | 1.29% | 1.58% | 1.53% | 1.64% | 1.67% | 2.13% | 2.15% | +62 bps | |
| Efficiency Ratio | 78.68% | 85.60% | 74.60% | 77.48% | 74.09% | 78.63% | 67.85% | 67.95% | -953 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.13% | -2.49% | -1.58% | -3.06% | -1.63% | -2.49% | -0.92% | -1.57% | +149 bps | |
| Loan Growth (YoY) | -4.34% | -7.50% | -9.90% | -9.93% | -10.47% | -10.40% | -9.98% | -12.80% | -287 bps | |
| Share Growth (YoY) | -3.79% | -3.31% | -2.43% | -3.72% | -2.53% | -3.76% | -1.87% | -2.34% | +138 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.40% | 0.34% | 0.00% | 0.19% | 0.17% | 0.12% | 0.11% | 0.07% | -12 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 | 13.52% | 13.50% | 13.67% | 13.68% | 14.01% | 14.20% | 14.21% | 14.40% | +72 bps | |
| Net Worth / Assets | 13.52% | 13.50% | 13.67% | 13.68% | 14.01% | 14.20% | 14.21% | 14.40% | +72 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 15.63% | 15.23% | 14.87% | 14.59% | 14.36% | 14.18% | 13.64% | 13.03% | -156 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Irondale, AL · Charter 68688 · Peer group: credit unions under $1B in assets in the Birmingham, AL area (n=29)
NCUA · 1 branch
Q2 2026
Return on Assets
0.65%
Rank 15 of 29
Net Interest Margin
2.15%
Rank 29 of 29
Efficiency Ratio
67.99%
Rank 9 of 29
Equity / Assets
14.40%
Rank 13 of 29
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.65% | 0.26% | 0.65% | 1.06% | Beats 48% | 15 / 29 | ||
| Return on Equity | 4.50% | 2.33% | 4.15% | 7.02% | Beats 55% | 13 / 29 | ||
| Net Interest Margin | 2.15% | 3.29% | 3.80% | 4.67% | Beats 0% | 29 / 29 | ||
| Efficiency Ratio | 67.99% | 67.71% | 81.00% | 89.29% | Beats 72% | 9 / 29 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.07% | 0.40% | 1.03% | 1.72% | Beats 93% | 3 / 29 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.40% | 10.13% | 13.97% | 19.12% | Beats 55% | 13 / 29 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 14.40% | 10.13% | 13.97% | 19.12% | Beats 55% | 13 / 29 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 13.03% | 40.72% | 55.53% | 68.24% | 0th pctl | 29 / 29 | ||
| Loans / Assets | 11.23% | 35.46% | 45.52% | 58.70% | 0th pctl | 29 / 29 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||