FEDMONT
Charter #14026 · Montgomery, AL · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 4.30% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 89.91% sits at the 82nd percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 13th percentile but its structural peers at the 38th — a 25-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 | FEDMONT | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $12.90M | 13th pct | 38th pct |
| Members | 1,216 | 13th pct | 34th pct |
| Net worth ratio | 13.61% | 50th pct | 51th pct |
| Return on average assets | 0.48% | 41th pct | 33th pct |
| Net interest margin | 4.30% | 71th pct | 77th pct |
| Cost of funds | 0.41% | 27th pct | 39th pct |
| Loan-to-share | 35.41% | 15th pct | 33th pct |
| Delinquency 60+ days | 0.66% | 53th pct | 48th pct |
| Net charge-off ratio | 0.24% | 59th pct | 74th pct |
| Loan growth YoY | -8.67% | 10th pct | 26th pct |
| Share growth YoY | 1.10% | 36th pct | 38th pct |
| Efficiency ratio | 89.91% | 73th pct | 82th pct |
structural peer set hash: e054c47492382c6182b5deeafe39024f… (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.