LEGACY COMMUNITY
Charter #24421 · BIRMINGHAM, AL · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 13.30% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 2.95% sits at the 15th percentile of structural peers — worth a closer look.
- Cost of funds of 1.65% sits at the 84th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.07% sits at the 84th percentile of structural peers — worth a closer look.
- On Cost of funds, the asset-size band puts this credit union at the 64th percentile but its structural peers at the 84th — a 19-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 | LEGACY COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $736.34M | 56th pct | 44th pct |
| Members | 39,671 | 45th pct | 33th pct |
| Net worth ratio | 13.30% | 84th pct | 79th pct |
| Return on average assets | 0.61% | 48th pct | 43th pct |
| Net interest margin | 2.95% | 17th pct | 15th pct |
| Cost of funds | 1.65% | 64th pct | 84th pct |
| Loan-to-share | 67.20% | 19th pct | 31th pct |
| Delinquency 60+ days | 1.07% | 81th pct | 84th pct |
| Net charge-off ratio | 0.27% | 30th pct | 33th pct |
| Loan growth YoY | -3.62% | 8th pct | 5th pct |
| Share growth YoY | 1.35% | 15th pct | 13th pct |
| Efficiency ratio | 80.23% | 59th pct | 72th pct |
structural peer set hash: 107b4047e7b1ce1c8d6429df4cfd8976… (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.