MONTGOMERY VA
Charter #5345 · MONTGOMERY, AL · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -0.34% sits at the 20th percentile of structural peers — worth a closer look.
- Cost of funds of 0.25% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 120.57% sits at the 92nd percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 71st percentile but its structural peers at the 38th — a 34-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 | MONTGOMERY VA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $6.01M | 71th pct | 38th pct |
| Members | 729 | 64th pct | 36th pct |
| Net worth ratio | 12.20% | 23th pct | 36th pct |
| Return on average assets | -0.34% | 25th pct | 20th pct |
| Net interest margin | 3.79% | 42th pct | 56th pct |
| Cost of funds | 0.25% | 35th pct | 25th pct |
| Loan-to-share | 25.27% | 15th pct | 13th pct |
| Delinquency 60+ days | 0.49% | 41th pct | 39th pct |
| Net charge-off ratio | 0.10% | 75th pct | 67th pct |
| Loan growth YoY | -20.17% | 7th pct | 5th pct |
| Share growth YoY | -5.81% | 14th pct | 7th pct |
| Efficiency ratio | 120.57% | 88th pct | 92th pct |
structural peer set hash: d8e8d55a9cc742b31533b25cf0a48dcb… (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.