NRS COMMUNITY DEVELOPMENT
Charter #24583 · BIRMINGHAM, AL · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 3.55% sits at the 25th percentile of structural peers — worth a closer look.
- Cost of funds of 0.14% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 42.18% sits at the 98th percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.45% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- On Net worth ratio, the asset-size band puts this credit union at the 34th percentile but its structural peers at the 52nd — a 18-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 | NRS COMMUNITY DEVELOPMENT | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.32M | 22th pct | 28th pct |
| Members | 923 | 79th pct | 72th pct |
| Net worth ratio | 14.31% | 34th pct | 52th pct |
| Return on average assets | -0.11% | 30th pct | 44th pct |
| Net interest margin | 3.55% | 34th pct | 25th pct |
| Cost of funds | 0.14% | 25th pct | 21th pct |
| Loan-to-share | 48.09% | 38th pct | 41th pct |
| Delinquency 60+ days | 42.18% | 100th pct | 98th pct |
| Net charge-off ratio | -0.45% | 7th pct | 8th pct |
| Loan growth YoY | -14.86% | 13th pct | 10th pct |
| Share growth YoY | -4.59% | 19th pct | 15th pct |
| Efficiency ratio | 102.25% | 75th pct | 69th pct |
structural peer set hash: a8f5775c42a4dac774c23f75408676df… (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.