Normal, AL · Charter 9554
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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
72
Asset Quality
11
Profitability
77
Liquidity
0
Efficiency
100
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.
Normal, AL · Charter 9554
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 | -0.67% | 0.04% | -2.50% | -2.35% | -2.14% | -0.59% | 2.78% | 2.53% | +488 bps | |
| Return on Equity | -3.33% | 0.26% | -12.64% | -12.50% | -12.27% | -3.96% | 16.92% | 16.08% | +2,857 bps | |
| Net Interest Margin | 4.76% | 4.70% | 3.42% | 4.22% | 4.47% | 4.10% | 3.44% | 3.45% | -77 bps | |
| Efficiency Ratio | 97.12% | 88.40% | 102.06% | 100.73% | 113.16% | 88.98% | 25.31% | 31.74% | -6,899 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.15% | 38.78% | 40.67% | 0.00% | 8.91% | -0.03% | 13.12% | 8.61% | +861 bps | |
| Loan Growth (YoY) | -1.51% | 2.54% | -0.21% | 0.00% | -13.47% | -19.79% | -8.80% | -16.89% | -1,689 bps | |
| Share Growth (YoY) | -2.53% | -1.45% | -0.24% | 0.00% | 3.40% | 4.93% | 6.09% | 5.83% | +583 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 10.73% | 2.09% | 3.74% | 0.35% | 0.54% | 0.71% | 1.61% | 2.43% | +208 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 | 5.67% | 5.57% | 6.67% | 6.50% | 7.80% | 9.00% | 7.96% | 8.68% | +218 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 20.22% | 17.16% | 19.82% | 18.78% | 17.45% | 15.01% | 16.42% | 15.74% | -304 bps | |
| Net Worth / Assets | 20.22% | 17.16% | 19.82% | 18.78% | 17.45% | 15.01% | 16.42% | 15.74% | -304 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 35.19% | 37.09% | 34.51% | 34.40% | 29.45% | 28.35% | 29.67% | 27.02% | -738 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Normal, AL · Charter 9554 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
2.56%
Rank 24 of 1,683
Net Interest Margin
3.48%
Rank 1,136 of 1,683
Efficiency Ratio
32.08%
Rank 7 of 1,682
Equity / Assets
15.73%
Rank 475 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 2.56% | 0.35% | 0.74% | 1.18% | Beats 99% | 24 / 1,683 | ||
| Return on Equity | 16.25% | 2.67% | 5.89% | 8.74% | Beats 98% | 33 / 1,681 | ||
| Net Interest Margin | 3.48% | 3.31% | 3.82% | 4.32% | Beats 33% | 1,136 / 1,683 | ||
| Efficiency Ratio | 32.08% | 68.91% | 78.20% | 86.93% | Beats 100% | 7 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.42% | 0.26% | 0.65% | 1.29% | Beats 11% | 1,501 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.73% | 10.44% | 12.89% | 16.53% | Beats 72% | 475 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 15.73% | 10.44% | 12.89% | 16.53% | Beats 72% | 475 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 27.03% | 52.61% | 69.38% | 83.50% | 4th pctl | 1,619 / 1,683 | ||
| Loans / Assets | 23.47% | 44.71% | 59.18% | 70.72% | 5th pctl | 1,606 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||