Birmingham City

Birmingham, AL · 2 · Charter #64528 · www.bhamcu.org
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$9.9M
41th percentile
Members
2,648
79th percentile
Total loans
$6.9M
53th percentile
Total shares
$7.9M
41th percentile

Profitability

Return on assets
2.32%
95th percentile
Net interest margin
8.06%
99th percentile
Efficiency ratio
68.07%
47th percentile
Non-interest income ratio
44.66%
97th percentile

Capital & Risk

Net worth ratio
19.64%
73th percentile
Delinquency rate
1.67%
28th percentile
Net charge-off rate
3.31%
3th percentile
Loan-to-share
87.24%
85th percentile

Growth

Member growth YoY
4.29%
92th percentile
Asset growth YoY
9.07%
90th percentile
Loan growth YoY
-9.59%
25th percentile
Share growth YoY
8.39%
88th percentile

Operations

Members / branch
2,648
88th percentile
Assets / member
$3,751
10th percentile
Field of membership penetration
73.56%
87th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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