SYCAMORE
Charter #5241 · Sycamore, AL · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 2,823 sits at the 8th percentile of structural peers — worth a closer look.
- Net worth ratio of 16.63% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.81% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.02% sits at the 10th percentile of structural peers — worth a closer look.
- Cost of funds of 3.87% sits at the 98th 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 | SYCAMORE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $73.46M | 54th pct | 39th pct |
| Members | 2,823 | 8th pct | 8th pct |
| Net worth ratio | 16.63% | 80th pct | 77th pct |
| Return on average assets | 1.81% | 93th pct | 90th pct |
| Net interest margin | 3.02% | 18th pct | 10th pct |
| Cost of funds | 3.87% | 100th pct | 98th pct |
| Loan-to-share | 87.44% | 93th pct | 69th pct |
| Delinquency 60+ days | 0.81% | 63th pct | 66th pct |
| Net charge-off ratio | 0.13% | 37th pct | 54th pct |
| Loan growth YoY | 9.09% | 98th pct | 93th pct |
| Share growth YoY | 11.33% | 98th pct | 92th pct |
| Efficiency ratio | 53.17% | 5th pct | 3th pct |
structural peer set hash: ceb56b3fc3459cab118956d3964db236… (reproducible)
Closest structural peers
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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.