ALTONIZED COMMUNITY
Charter #3316 · ALTON, IL · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.23% sits at the 5th percentile of structural peers — worth a closer look.
- Net interest margin of 3.21% sits at the 16th percentile of structural peers — worth a closer look.
- Cost of funds of 0.40% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.08% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 92.74% sits at the 80th percentile of structural peers — worth a closer look.
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 | ALTONIZED COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $55.75M | 15th pct | 39th pct |
| Members | 5,595 | 59th pct | 66th pct |
| Net worth ratio | 8.23% | 4th pct | 5th pct |
| Return on average assets | 0.37% | 33th pct | 31th pct |
| Net interest margin | 3.21% | 24th pct | 16th pct |
| Cost of funds | 0.40% | 18th pct | 11th pct |
| Loan-to-share | 42.01% | 17th pct | 26th pct |
| Delinquency 60+ days | 0.64% | 51th pct | 49th pct |
| Net charge-off ratio | -0.08% | 5th pct | 11th pct |
| Loan growth YoY | -3.57% | 31th pct | 26th pct |
| Share growth YoY | 11.29% | 98th pct | 97th pct |
| Efficiency ratio | 92.74% | 87th pct | 80th pct |
structural peer set hash: 6875914980349428b50b07ffd46f5199… (reproducible)
Closest structural peers
This is the free public view
Claim ALTONIZED COMMUNITY
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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.