UNIVERSITY OF SOUTH ALABAMA
Charter #13659 · MOBILE, AL · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 8,374 ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 15.66% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 2.24% ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.61% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.12% ranks in the 18th 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 | UNIVERSITY OF SOUTH ALABAMA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $56.67M | 17th pct | 51th pct |
| Members | 8,374 | 89th pct | 80th pct |
| Net worth ratio | 15.66% | 74th pct | 75th pct |
| Return on average assets | 2.24% | 97th pct | 93th pct |
| Net interest margin | 4.61% | 89th pct | 89th pct |
| Cost of funds | 0.12% | 7th pct | 18th pct |
| Loan-to-share | 51.69% | 33th pct | 52th pct |
| Delinquency 60+ days | 0.31% | 29th pct | 33th pct |
| Net charge-off ratio | 0.39% | 64th pct | 69th pct |
| Loan growth YoY | -8.06% | 6th pct | 10th pct |
| Share growth YoY | 2.23% | 43th pct | 41th pct |
| Efficiency ratio | 53.84% | 6th pct | 2th pct |
structural peer set hash: fcfdf442855190b8dddeba7cc3f8787a… (reproducible)
Closest structural peers
This is the free public view
Claim UNIVERSITY OF SOUTH ALABAMA
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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.