NORTH ALABAMA EDUCATORS
Charter #60500 · HUNTSVILLE, AL · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 7.94% sits at the 2nd percentile of structural peers — worth a closer look.
- Net interest margin of 2.86% sits at the 7th percentile of structural peers — worth a closer look.
- Cost of funds of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 27th percentile but its structural peers at the 59th — a 32-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 | NORTH ALABAMA EDUCATORS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $142.68M | 27th pct | 59th pct |
| Members | 10,854 | 37th pct | 59th pct |
| Net worth ratio | 7.94% | 3th pct | 2th pct |
| Return on average assets | 0.59% | 41th pct | 28th pct |
| Net interest margin | 2.86% | 10th pct | 7th pct |
| Cost of funds | 0.00% | 1th pct | 0th pct |
| Loan-to-share | 41.49% | 5th pct | 23th pct |
| Delinquency 60+ days | 0.59% | 48th pct | 49th pct |
| Net charge-off ratio | 0.19% | 29th pct | 31th pct |
| Loan growth YoY | 0.43% | 52th pct | 62th pct |
| Share growth YoY | 3.46% | 50th pct | 54th pct |
| Efficiency ratio | 82.70% | 64th pct | 74th pct |
structural peer set hash: f60f326cd417d61c83d14445a1c5514d… (reproducible)
Closest structural peers
This is the free public view
Claim NORTH ALABAMA EDUCATORS
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.