NORTHEAST ALABAMA POSTAL
Charter #11056 · anniston, AL · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,234 sits at the 15th percentile of structural peers — worth a closer look.
- Net interest margin of 3.37% sits at the 20th percentile of structural peers — worth a closer look.
- Cost of funds of 2.52% sits at the 92nd percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.00% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 93.63% sits at the 75th 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 | NORTHEAST ALABAMA POSTAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $13.93M | 17th pct | 18th pct |
| Members | 1,234 | 14th pct | 15th pct |
| Net worth ratio | 15.78% | 64th pct | 66th pct |
| Return on average assets | 0.67% | 51th pct | 52th pct |
| Net interest margin | 3.37% | 29th pct | 20th pct |
| Cost of funds | 2.52% | 96th pct | 92th pct |
| Loan-to-share | 80.84% | 85th pct | 59th pct |
| Delinquency 60+ days | 0.69% | 55th pct | 61th pct |
| Net charge-off ratio | 0.00% | 23th pct | 20th pct |
| Loan growth YoY | -2.82% | 47th pct | 33th pct |
| Share growth YoY | 4.00% | 66th pct | 62th pct |
| Efficiency ratio | 93.63% | 80th pct | 75th pct |
structural peer set hash: 22430a85131b245a181a783fff119639… (reproducible)
Closest structural peers
This is the free public view
Claim NORTHEAST ALABAMA POSTAL
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.