DEMOPOLIS
Charter #17311 · Demopolis, AL · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 54.46% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 4.46% ranks in the 97th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.04% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 55.38% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 88th percentile but its structural peers at the 52nd — a 35-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 | DEMOPOLIS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $3.26M | 43th pct | 30th pct |
| Members | 741 | 65th pct | 52th pct |
| Net worth ratio | 54.46% | 98th pct | 92th pct |
| Return on average assets | 4.46% | 98th pct | 97th pct |
| Net interest margin | 5.47% | 85th pct | 66th pct |
| Cost of funds | 0.37% | 43th pct | 36th pct |
| Loan-to-share | 91.14% | 88th pct | 52th pct |
| Delinquency 60+ days | 0.73% | 47th pct | 41th pct |
| Net charge-off ratio | -0.04% | 17th pct | 18th pct |
| Loan growth YoY | 1.02% | 77th pct | 80th pct |
| Share growth YoY | 6.23% | 85th pct | 92th pct |
| Efficiency ratio | 55.38% | 12th pct | 11th pct |
structural peer set hash: db7791ba8b4af9003c05656c9b717803… (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.