ALCOA COMMUNITY
Charter #11913 · Benton, AR · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 7.82% sits at the 10th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.23% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.06% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 94.27% sits at the 89th percentile of structural peers — worth a closer look.
- On Net interest margin, the asset-size band puts this credit union at the 78th percentile but its structural peers at the 39th — a 38-point gap showing why the peer definition matters.
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 | ALCOA COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $68.69M | 44th pct | 39th pct |
| Members | 6,065 | 67th pct | 31th pct |
| Net worth ratio | 7.82% | 3th pct | 10th pct |
| Return on average assets | 0.23% | 23th pct | 31th pct |
| Net interest margin | 4.21% | 78th pct | 39th pct |
| Cost of funds | 1.17% | 65th pct | 52th pct |
| Loan-to-share | 86.02% | 91th pct | 62th pct |
| Delinquency 60+ days | 0.23% | 23th pct | 11th pct |
| Net charge-off ratio | -0.06% | 6th pct | 3th pct |
| Loan growth YoY | -2.88% | 37th pct | 26th pct |
| Share growth YoY | -0.20% | 16th pct | 16th pct |
| Efficiency ratio | 94.27% | 88th pct | 89th pct |
structural peer set hash: 4bd7aa89e88b586320aeff4334dfe5ce… (reproducible)
Closest structural peers
This is the free public view
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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.