ALBA-GOLDEN
Charter #13655 · Alba, TX · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 5.03% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 2.22% sits at the 75th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.30% sits at the 90th percentile of structural peers — worth a closer look.
- Efficiency ratio of 44.10% ranks in the 2nd percentile among structurally similar credit unions — a relative strength.
- On Cost of funds, the asset-size band puts this credit union at the 93rd percentile but its structural peers at the 75th — a 18-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 | ALBA-GOLDEN | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $21.87M | 41th pct | 43th pct |
| Members | 1,562 | 27th pct | 26th pct |
| Net worth ratio | 16.62% | 69th pct | 72th pct |
| Return on average assets | 0.86% | 61th pct | 54th pct |
| Net interest margin | 5.03% | 92th pct | 77th pct |
| Cost of funds | 2.22% | 93th pct | 75th pct |
| Loan-to-share | 87.00% | 92th pct | 87th pct |
| Delinquency 60+ days | 0.46% | 44th pct | 26th pct |
| Net charge-off ratio | 1.30% | 90th pct | 90th pct |
| Loan growth YoY | 10.63% | 98th pct | 98th pct |
| Share growth YoY | 13.21% | 98th pct | 95th pct |
| Efficiency ratio | 44.10% | 2th pct | 2th pct |
structural peer set hash: c9e805129dce682dfc50cb50d8ba793e… (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.