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Rocket City

Huntsville, AL · Charter 9662

NCUA · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Birmingham, AL area3

Basis

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.

Peer group

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.

Peer standing

Capital

62

Q2 2024Q2 2026peer median (50)

Asset Quality

90

Q2 2024Q2 2026peer median (50)

Profitability

73

Q2 2024Q2 2026peer median (50)

Liquidity

89

Q2 2024Q2 2026peer median

Efficiency

69

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Rocket City

Huntsville, AL · Charter 9662

NCUA · 1 branch

Q2 2026

$69.1MAssets
$30.2MLoans
$57.4MShares
$11.9MNet Worth

Executive Summary

  • Earnings: ROA of 1.45%, up 23 bps year over year; NIM at 4.03%.
  • Asset quality: problem loans at 0.17% of loans (+7 bps YoY).
  • Capital: net worth / assets of 17.25%, up 59 bps from a year ago.
  • Funding: loans stand at 52.64% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.45%+23 bps YoY

Net Interest Margin (YTD, annualized)

4.03%-1 bps YoY

Efficiency Ratio (YTD, annualized)

69.26%-7 bps YoY

Net Worth / Assets

17.25%+59 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.59%1.61%1.41%1.22%1.35%1.31%1.31%1.45%+23 bps
Return on Equity9.91%9.84%8.58%7.34%7.88%7.51%7.58%8.42%+107 bps
Net Interest Margin4.23%4.22%4.02%4.04%4.22%4.27%3.93%4.03%-1 bps
Efficiency Ratio65.19%64.89%68.75%69.33%68.14%70.01%74.87%69.26%-7 bps
Growth
Asset Growth (YoY)1.41%3.73%1.47%1.08%2.24%1.56%2.70%4.98%+390 bps
Loan Growth (YoY)16.85%10.76%5.38%3.89%2.51%2.83%5.20%-13.65%-1,754 bps
Share Growth (YoY)-0.34%2.75%-0.26%-0.80%0.76%1.57%1.57%5.33%+613 bps
Asset Quality
Delinquent Loans / Loans0.00%0.02%0.38%0.10%0.14%0.14%0.03%0.17%+7 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital16.04%16.33%16.41%16.65%17.12%17.39%17.23%17.25%+59 bps
Net Worth / Assets16.04%16.33%16.41%16.65%17.12%17.39%17.23%17.25%+59 bps
Liquidity & Funding
Loans / Shares59.95%57.44%53.32%64.21%60.99%58.15%55.22%52.64%-1,157 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Rocket City

Huntsville, AL · Charter 9662 · Peer group: credit unions under $1B in assets in the Birmingham, AL area (n=29)

NCUA · 1 branch

Q2 2026

$69.1MAssets
$30.2MLoans
$57.4MShares
$11.9MNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 90% of credit unions under $1B in assets in the Birmingham, AL area (rank 4 of 29).
  • Widest gap: net interest margin trails 45% of credit unions under $1B in assets in the Birmingham, AL area (rank 13 of 29).
  • Overall: at or above the peer median on 7 of 7 directional measures.

Return on Assets

1.45%

Rank 4 of 29

Net Interest Margin

4.03%

Rank 13 of 29

Efficiency Ratio

69.23%

Rank 10 of 29

Equity / Assets

17.25%

Rank 11 of 29

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.45%0.26%0.65%1.06%Beats 86%4 / 29
Return on Equity8.42%2.33%4.15%7.02%Beats 79%6 / 29
Net Interest Margin4.03%3.29%3.80%4.67%Beats 55%13 / 29
Efficiency Ratio69.23%67.71%81.00%89.29%Beats 69%10 / 29
Asset Quality
Nonperforming Loans / Loans0.17%0.40%1.03%1.72%Beats 90%4 / 29
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio17.25%10.13%13.97%19.12%Beats 62%11 / 29
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets17.25%10.13%13.97%19.12%Beats 62%11 / 29
Liquidity & Funding
Loans / Deposits52.64%40.72%55.53%68.24%45th pctl16 / 29
Loans / Assets43.68%35.46%45.52%58.70%45th pctl16 / 29
Brokered Deposits / Depositsn/aNot reported for this institution