ALHAMBRA
Charter #60165 · Phoenix, AZ · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.03% sits at the 21st percentile of structural peers — worth a closer look.
- Return on average assets of -0.02% sits at the 11th percentile of structural peers — worth a closer look.
- Net interest margin of 5.12% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.79% sits at the 77th percentile of structural peers — worth a closer look.
- Efficiency ratio of 96.46% sits at the 90th 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 | ALHAMBRA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $34.17M | 70th pct | 49th pct |
| Members | 4,045 | 91th pct | 72th pct |
| Net worth ratio | 9.03% | 10th pct | 21th pct |
| Return on average assets | -0.02% | 17th pct | 11th pct |
| Net interest margin | 5.12% | 93th pct | 87th pct |
| Cost of funds | 0.92% | 54th pct | 51th pct |
| Loan-to-share | 68.59% | 68th pct | 57th pct |
| Delinquency 60+ days | 1.46% | 77th pct | 74th pct |
| Net charge-off ratio | 0.79% | 81th pct | 77th pct |
| Loan growth YoY | -2.46% | 50th pct | 28th pct |
| Share growth YoY | 5.90% | 80th pct | 66th pct |
| Efficiency ratio | 96.46% | 85th pct | 90th pct |
structural peer set hash: 55211c8374f9baca5c88242f7fe1e624… (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.