BIRMINGHAM CITY
Charter #64528 · Birmingham, AL · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -0.09% sits at the 16th percentile of structural peers — worth a closer look.
- Net interest margin of 7.68% ranks in the 98th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.41% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.26% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 5.69% sits at the 95th percentile of structural peers — worth a closer look.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | BIRMINGHAM CITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $10.18M | 1th pct | 36th pct |
| Members | 2,661 | 67th pct | 72th pct |
| Net worth ratio | 19.14% | 81th pct | 72th pct |
| Return on average assets | -0.09% | 15th pct | 16th pct |
| Net interest margin | 7.68% | 100th pct | 98th pct |
| Cost of funds | 0.41% | 26th pct | 16th pct |
| Loan-to-share | 79.52% | 84th pct | 59th pct |
| Delinquency 60+ days | 0.26% | 33th pct | 25th pct |
| Net charge-off ratio | 5.69% | 100th pct | 95th pct |
| Loan growth YoY | -3.83% | 39th pct | 33th pct |
| Share growth YoY | 11.28% | 96th pct | 90th pct |
| Efficiency ratio | 100.93% | 90th pct | 95th pct |
structural peer set hash: fcf800c2f7e5c099b8d350b83a9c745e… (reproducible)
Closest structural peers
This is the free public view
Claim BIRMINGHAM CITY
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.