MUTUAL SAVINGS
Charter #60501 · Birmingham, AL · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 19,012 ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.02% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 92.81% sits at the 79th percentile of structural peers — worth a closer look.
- On Net interest margin, the asset-size band puts this credit union at the 33rd percentile but its structural peers at the 57th — a 25-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 | MUTUAL SAVINGS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $244.47M | 62th pct | 56th pct |
| Members | 19,012 | 74th pct | 87th pct |
| Net worth ratio | 8.92% | 13th pct | 26th pct |
| Return on average assets | 0.20% | 16th pct | 28th pct |
| Net interest margin | 3.36% | 33th pct | 57th pct |
| Cost of funds | 0.02% | 2th pct | 0th pct |
| Loan-to-share | 68.03% | 42th pct | 41th pct |
| Delinquency 60+ days | 0.44% | 35th pct | 36th pct |
| Net charge-off ratio | 0.32% | 46th pct | 66th pct |
| Loan growth YoY | 3.11% | 76th pct | 72th pct |
| Share growth YoY | 2.12% | 30th pct | 43th pct |
| Efficiency ratio | 92.81% | 90th pct | 79th pct |
structural peer set hash: 8d7e8d34ff96a4f0b2a12cc3109081ff… (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.