ALCOA MUNICIPAL EMPLOYEES
Charter #20513 · ALCOA, TN · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 2.25% ranks in the 95th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.31% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.74% sits at the 75th percentile of structural peers — worth a closer look.
- Efficiency ratio of 54.86% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- On Cost of funds, the asset-size band puts this credit union at the 40th percentile but its structural peers at the 18th — a 22-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 | ALCOA MUNICIPAL EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $4.45M | 54th pct | 43th pct |
| Members | 866 | 75th pct | 61th pct |
| Net worth ratio | 18.92% | 54th pct | 54th pct |
| Return on average assets | 2.25% | 93th pct | 95th pct |
| Net interest margin | 4.95% | 76th pct | 64th pct |
| Cost of funds | 0.31% | 40th pct | 18th pct |
| Loan-to-share | 88.47% | 86th pct | 67th pct |
| Delinquency 60+ days | 1.11% | 55th pct | 51th pct |
| Net charge-off ratio | 0.74% | 84th pct | 75th pct |
| Loan growth YoY | 2.50% | 82th pct | 80th pct |
| Share growth YoY | -14.42% | 3th pct | 3th pct |
| Efficiency ratio | 54.86% | 12th pct | 7th pct |
structural peer set hash: fe7749cd53d689341c5bda8828273312… (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.