MEAD COATED BOARD
Charter #18192 · Eufaula, AL · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 22.81% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 1.71% sits at the 2nd percentile of structural peers — worth a closer look.
- Cost of funds of 1.97% sits at the 90th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 6.78% sits at the 97th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 3.97% sits at the 97th 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 | MEAD COATED BOARD | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $40.51M | 84th pct | 77th pct |
| Members | 1,569 | 27th pct | 38th pct |
| Net worth ratio | 22.81% | 92th pct | 85th pct |
| Return on average assets | 0.76% | 56th pct | 52th pct |
| Net interest margin | 1.71% | 2th pct | 2th pct |
| Cost of funds | 1.97% | 90th pct | 90th pct |
| Loan-to-share | 32.64% | 12th pct | 38th pct |
| Delinquency 60+ days | 6.78% | 99th pct | 97th pct |
| Net charge-off ratio | 3.97% | 98th pct | 97th pct |
| Loan growth YoY | -0.73% | 64th pct | 79th pct |
| Share growth YoY | -4.06% | 5th pct | 8th pct |
| Efficiency ratio | 57.01% | 8th pct | 13th pct |
structural peer set hash: 39cb36a7d7509dee424b21db52cad058… (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.