FOUR SEASONS
Charter #16479 · OPELIKA, AL · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.51% sits at the 10th percentile of structural peers — worth a closer look.
- Return on average assets of 1.27% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.93% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.48% sits at the 89th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.35% sits at the 89th percentile of structural peers — worth a closer look.
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 | FOUR SEASONS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $102.33M | 2th pct | 33th pct |
| Members | 9,631 | 30th pct | 49th pct |
| Net worth ratio | 8.51% | 8th pct | 10th pct |
| Return on average assets | 1.27% | 82th pct | 79th pct |
| Net interest margin | 4.93% | 96th pct | 85th pct |
| Cost of funds | 0.95% | 36th pct | 43th pct |
| Loan-to-share | 63.43% | 33th pct | 39th pct |
| Delinquency 60+ days | 1.48% | 89th pct | 89th pct |
| Net charge-off ratio | 1.35% | 95th pct | 89th pct |
| Loan growth YoY | 7.43% | 95th pct | 97th pct |
| Share growth YoY | 7.14% | 88th pct | 82th pct |
| Efficiency ratio | 66.70% | 19th pct | 21th pct |
structural peer set hash: 66007f1bd97b3f0062b2d5453d7b566a… (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.