EAST ALABAMA COMMUNITY
Charter #12383 · OPELIKA, AL · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 3.31% sits at the 21st percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- On Cost of funds, the asset-size band puts this credit union at the 22nd percentile but its structural peers at the 38th — a 16-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 | EAST ALABAMA COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $21.00M | 38th pct | 28th pct |
| Members | 2,977 | 75th pct | 64th pct |
| Net worth ratio | 13.98% | 52th pct | 52th pct |
| Return on average assets | 0.43% | 37th pct | 39th pct |
| Net interest margin | 3.31% | 27th pct | 21th pct |
| Cost of funds | 0.33% | 22th pct | 38th pct |
| Loan-to-share | 32.21% | 12th pct | 21th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | 0.19% | 55th pct | 49th pct |
| Loan growth YoY | 8.53% | 97th pct | 98th pct |
| Share growth YoY | 1.37% | 39th pct | 36th pct |
| Efficiency ratio | 91.71% | 76th pct | 69th pct |
structural peer set hash: 9c9a09ad6b750636587070c41701dbd2… (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.