MARVEL CITY
Charter #12837 · BESSEMER, AL · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 4.03% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.16% sits at the 82nd percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.76% sits at the 87th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 95th percentile but its structural peers at the 61st — a 34-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 | MARVEL CITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $9.18M | 95th pct | 61th pct |
| Members | 947 | 80th pct | 61th pct |
| Net worth ratio | 17.64% | 50th pct | 56th pct |
| Return on average assets | 0.24% | 43th pct | 34th pct |
| Net interest margin | 4.03% | 50th pct | 79th pct |
| Cost of funds | 1.10% | 68th pct | 66th pct |
| Loan-to-share | 42.44% | 31th pct | 26th pct |
| Delinquency 60+ days | 1.16% | 56th pct | 82th pct |
| Net charge-off ratio | 0.76% | 84th pct | 87th pct |
| Loan growth YoY | 3.35% | 85th pct | 89th pct |
| Share growth YoY | 3.91% | 76th pct | 79th pct |
| Efficiency ratio | 89.00% | 54th pct | 64th pct |
structural peer set hash: fb84f8a3ba1da09720470935f853892a… (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.