THE BRIDGEWAY
Charter #13852 · Phenix City, AL · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 15.76% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 0.08% sits at the 18th percentile of structural peers — worth a closer look.
- Net interest margin of 5.29% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 85.63% sits at the 77th percentile of structural peers — worth a closer look.
- On Members, the asset-size band puts this credit union at the 80th percentile but its structural peers at the 51st — a 30-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 | THE BRIDGEWAY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $63.97M | 34th pct | 44th pct |
| Members | 7,086 | 80th pct | 51th pct |
| Net worth ratio | 15.76% | 75th pct | 75th pct |
| Return on average assets | 0.08% | 16th pct | 18th pct |
| Net interest margin | 5.29% | 98th pct | 87th pct |
| Cost of funds | 0.84% | 45th pct | 30th pct |
| Loan-to-share | 83.88% | 88th pct | 72th pct |
| Delinquency 60+ days | 0.57% | 47th pct | 36th pct |
| Net charge-off ratio | 0.80% | 84th pct | 69th pct |
| Loan growth YoY | 5.84% | 93th pct | 92th pct |
| Share growth YoY | 1.35% | 33th pct | 23th pct |
| Efficiency ratio | 85.63% | 68th pct | 77th pct |
structural peer set hash: 83d0b49aed3de31f1abc534e2f807da3… (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.