ANG
Charter #11975 · Birmingham, AL · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,778 sits at the 25th percentile of structural peers — worth a closer look.
- Net worth ratio of 9.83% sits at the 18th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.91% sits at the 85th 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.
- On Cost of funds, the asset-size band puts this credit union at the 30th percentile but its structural peers at the 51st — a 21-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 | ANG | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $24.17M | 47th pct | 34th pct |
| Members | 1,778 | 37th pct | 25th pct |
| Net worth ratio | 9.83% | 17th pct | 18th pct |
| Return on average assets | 0.61% | 48th pct | 59th pct |
| Net interest margin | 3.61% | 39th pct | 33th pct |
| Cost of funds | 0.46% | 30th pct | 51th pct |
| Loan-to-share | 46.28% | 30th pct | 38th pct |
| Delinquency 60+ days | 1.91% | 84th pct | 85th pct |
| Net charge-off ratio | 0.00% | 23th pct | 20th pct |
| Loan growth YoY | -1.95% | 54th pct | 56th pct |
| Share growth YoY | 1.77% | 42th pct | 41th pct |
| Efficiency ratio | 82.44% | 56th pct | 39th pct |
structural peer set hash: de43f14bb4fbdefda1f6241ddafff5af… (reproducible)
Closest structural peers
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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.