ELECTRICAL WORKERS NO 558
Charter #12478 · SHEFFIELD, AL · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 20.29% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 2.00% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 1.93% sits at the 87th 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.
- Efficiency ratio of 47.20% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
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 | ELECTRICAL WORKERS NO 558 | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $45.35M | 93th pct | 84th pct |
| Members | 2,614 | 66th pct | 52th pct |
| Net worth ratio | 20.29% | 86th pct | 79th pct |
| Return on average assets | 2.00% | 95th pct | 87th pct |
| Net interest margin | 3.78% | 46th pct | 38th pct |
| Cost of funds | 1.93% | 89th pct | 87th pct |
| Loan-to-share | 63.57% | 60th pct | 51th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | -0.01% | 21th pct | 26th pct |
| Loan growth YoY | -4.55% | 33th pct | 41th pct |
| Share growth YoY | -0.87% | 20th pct | 16th pct |
| Efficiency ratio | 47.20% | 3th pct | 3th pct |
structural peer set hash: 40ba8f18d029c2b3faef176f6e5173d8… (reproducible)
Closest structural peers
This is the free public view
Claim ELECTRICAL WORKERS NO 558
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.