NORTH ALABAMA PAPERMAKERS
Charter #22070 · Stevenson, AL · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 333 sits at the 11th percentile of structural peers — worth a closer look.
- Return on average assets of -2.39% sits at the 5th percentile of structural peers — worth a closer look.
- Cost of funds of 0.13% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.00% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
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 | NORTH ALABAMA PAPERMAKERS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $2.07M | 31th pct | 20th pct |
| Members | 333 | 27th pct | 11th pct |
| Net worth ratio | 26.44% | 78th pct | 69th pct |
| Return on average assets | -2.39% | 9th pct | 5th pct |
| Net interest margin | 4.93% | 76th pct | 59th pct |
| Cost of funds | 0.13% | 24th pct | 13th pct |
| Loan-to-share | 84.09% | 82th pct | 57th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | 0.00% | 22th pct | 18th pct |
| Loan growth YoY | 7.89% | 91th pct | 93th pct |
| Share growth YoY | -0.17% | 48th pct | 51th pct |
| Efficiency ratio | 108.63% | 80th pct | 89th pct |
structural peer set hash: 62805a22fcbf658eea4a633886c0b81b… (reproducible)
Closest structural peers
This is the free public view
Claim NORTH ALABAMA PAPERMAKERS
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.