FLORENCE
Charter #13167 · Florence, AL · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 13.77% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 0.26% sits at the 21st percentile of structural peers — worth a closer look.
- Cost of funds of 1.46% sits at the 85th percentile of structural peers — worth a closer look.
- Efficiency ratio of 91.74% sits at the 84th percentile of structural peers — worth a closer look.
- On Net worth ratio, the asset-size band puts this credit union at the 61st percentile but its structural peers at the 77th — 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 | FLORENCE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $66.56M | 41th pct | 43th pct |
| Members | 3,930 | 26th pct | 30th pct |
| Net worth ratio | 13.77% | 61th pct | 77th pct |
| Return on average assets | 0.26% | 26th pct | 21th pct |
| Net interest margin | 3.27% | 27th pct | 41th pct |
| Cost of funds | 1.46% | 78th pct | 85th pct |
| Loan-to-share | 45.06% | 22th pct | 33th pct |
| Delinquency 60+ days | 0.78% | 60th pct | 57th pct |
| Net charge-off ratio | 0.21% | 46th pct | 46th pct |
| Loan growth YoY | -3.62% | 30th pct | 34th pct |
| Share growth YoY | -0.30% | 15th pct | 21th pct |
| Efficiency ratio | 91.74% | 85th pct | 84th pct |
structural peer set hash: a582f500ab132fb96952ea6f537371b9… (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.