Ang Federal Credit Union

Credit UnionFCUBirmingham, AL·Est. 1957·NCUA #11975Compare ⇄▤ Account brief

Total assets

$24.2M

▼ -1.5% YoY

Shares & deposits

$21.7M

▼ -2.5% YoY

Loans

$10.1M

▼ -6.3% YoY

Members

1,778

▼ -2.7% YoY

ROA (annualized)

0.62%

peers 0.60%

ROE (annualized)

6.34%

peers 4.10%

Peer comparison 2,508 credit unions with <100M in assets

Metric	This credit union	Peer median	Δ
Asset growth (YoY)	-1.5%	+1.3%	-2.8 pts
Share growth (YoY)	-2.5%	+0.7%	-3.1 pts
Loan growth (YoY)	-6.3%	-2.4%	-4.0 pts
ROA	0.62%	0.60%	+0.0 pts
ROE	6.3%	4.1%	+2.2 pts

ROA ranks in the 51st percentile of its peer group · Q1 2026

Profile

Established: 1957
Charter: FCU
Primary regulator: NCUA
NCUA peer group: Peer group 3
Address: Po Box 170204, Birmingham, AL, 35217
NCUA charter #: 11975
RSSD ID: 267081
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	$24.2M	$21.7M	$10.1M	$2.4M	$38K	0.62%	3.67%	1.91%	1,778
Q4 2025	$25.0M	$22.5M	$10.8M	$2.3M	$238K	0.95%	3.40%	0.10%	1,787
Q3 2025	$23.7M	$21.4M	$10.3M	$2.3M	$180K	1.01%	3.53%	0.08%	1,790
Q2 2025	$23.9M	$21.6M	$10.9M	$2.2M	$131K	1.10%	3.43%	0.25%	1,816
Q1 2025	$24.5M	$22.3M	$10.7M	$2.2M	$36K	0.59%	3.23%	0.30%	1,827
Q4 2024	$25.1M	$22.9M	$11.3M	$2.1M	$197K	0.78%	3.03%	0.00%	1,844
Q3 2024	$24.1M	$22.0M	$11.4M	$2.1M	$153K	0.85%	3.13%	0.39%	1,850
Q2 2024	$24.4M	$22.0M	$11.7M	$2.0M	$97K	0.80%	3.00%	0.38%

Signals what changed in the call reports

Members down·Members -2.7% YoY (2%+ decline) — Losing members — growth and digital experience are top of mindLoans down·Loans -6.3% YoY — Shrinking book — origination and marketing are on the agendaEfficiency worsening·Efficiency ratio 82.4%, worse 3 quarters running — Cost pressure — automation pitches resonate, discretionary spend does notDelinquency up·Delinquency up 1.61 pts YoY — Credit stress; collections and risk analytics get budget

Earlier quarters (5)

Members -3.1% YoY (2%+ decline)Q4 2025
Members -3.2% YoY (2%+ decline)Q3 2025
Loans -9.8% YoYQ3 2025
Members -2.9% YoY (2%+ decline)Q2 2025
Loans -6.9% YoYQ2 2025

Ratio pack Q1 2026 · peer medians from 2508 institutions

Profitability

Ratio	Ang Federal Credit Union	Peer median	Peer percentile
Return on assets Annualized net income ÷ assets	0.62%	0.60%	51th
Return on equity Annualized net income ÷ equity or net worth	6.3%	4.1%	66th
Net interest margin Interest income − interest expense, ÷ assets	3.67%	3.83%

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Ratio	Ang Federal Credit Union	Peer median
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%

Ratio	Ang Federal Credit Union	Peer median
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%

Ratio	Ang Federal Credit Union	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%