Alabama Postal Credit Union
Total assets
$6.4M
▲ +5.4% YoY
Shares & deposits
$3.5M
▲ +5.7% YoY
Loans
$2.2M
▼ -6.0% YoY
Members
915
▲ +2.8% YoY
ROA (annualized)
2.02%
peers 0.60%
ROE (annualized)
4.57%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.4% | +1.3% | +4.1 pts |
| Share growth (YoY) | +5.7% | +0.7% | +5.1 pts |
| Loan growth (YoY) | -6.0% | -2.4% | -3.7 pts |
| ROA | 2.02% | 0.60% | +1.4 pts |
| ROE | 4.6% | 4.1% | +0.5 pts |
ROA ranks in the 94th percentile of its peer group · Q1 2026
Profile
- Established
- 1927
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 2
- Address
- P. O. Box 11627, Birmingham, AL, 35202
- NCUA charter #
- 64645
- RSSD ID
- 915391
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $6.4M | $3.5M | $2.2M | $2.8M | $32K | 2.02% | 5.75% | 2.84% | 915 |
| Q4 2025 | $6.4M | $3.6M | $2.3M | $2.8M | $143K | 2.24% | 5.72% | 2.66% | 904 |
| Q3 2025 | $6.3M | $3.6M | $2.3M | $2.8M | $117K | 2.46% | 5.87% | 4.50% | 902 |
| Q2 2025 | $6.3M | $3.6M | $2.2M | $2.7M | $72K | 2.29% | 5.76% | 1.77% | 895 |
| Q1 2025 | $6.0M | $3.4M | $2.3M | $2.7M | $38K | 2.54% | 6.22% | 2.61% | 890 |
| Q4 2024 | $5.9M | $3.3M | $2.2M | $2.6M | $146K | 2.47% | 6.15% | 3.07% | 887 |
| Q3 2024 | $5.9M | $3.3M | $2.2M | $2.6M | $119K | 2.66% | 6.23% | 2.38% | 892 |
| Q2 2024 | $5.9M | $3.3M | $2.2M | $2.6M | $76K | 2.58% | 6.25% | 2.77% | 876 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $2.1M · securities $3.2M
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.02% | 0.60% | 94th | |
Return on equity Annualized net income ÷ equity or net worth | 4.6% | 4.1% | 54th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.75% | 3.83% | 95th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.4% | 81.5% | 19th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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