ANDALUSIA MILLS EMPLOYEES CREDIT AS
Charter #23990 · ANDALUSIA, AL · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net charge-off ratio of -0.62% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
- On Net interest margin, the asset-size band puts this credit union at the 46th percentile but its structural peers at the 72nd — a 26-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 | ANDALUSIA MILLS EMPLOYEES CREDIT AS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $3.16M | 42th pct | 20th pct |
| Members | 887 | 77th pct | 64th pct |
| Net worth ratio | 20.65% | 61th pct | 67th pct |
| Return on average assets | 0.88% | 68th pct | 66th pct |
| Net interest margin | 3.91% | 46th pct | 72th pct |
| Cost of funds | 0.90% | 62th pct | 56th pct |
| Loan-to-share | 35.27% | 24th pct | 30th pct |
| Delinquency 60+ days | 0.45% | 40th pct | 62th pct |
| Net charge-off ratio | -0.62% | 6th pct | 3th pct |
| Loan growth YoY | 4.08% | 86th pct | 89th pct |
| Share growth YoY | -2.82% | 29th pct | 16th pct |
| Efficiency ratio | 84.83% | 47th pct | 64th pct |
structural peer set hash: 4f7d35808eb8811ce1841b7730797f3f… (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.