ALABAMA CENTRAL
Charter #60712 · Birmingham, AL · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 18,529 ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 9.30% sits at the 25th percentile of structural peers — worth a closer look.
- Cost of funds of 0.10% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.27% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.09% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
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 | ALABAMA CENTRAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $216.45M | 55th pct | 54th pct |
| Members | 18,529 | 72th pct | 80th pct |
| Net worth ratio | 9.30% | 18th pct | 25th pct |
| Return on average assets | 0.71% | 51th pct | 52th pct |
| Net interest margin | 3.68% | 51th pct | 54th pct |
| Cost of funds | 0.10% | 7th pct | 15th pct |
| Loan-to-share | 70.40% | 47th pct | 49th pct |
| Delinquency 60+ days | 0.27% | 20th pct | 16th pct |
| Net charge-off ratio | 0.09% | 16th pct | 15th pct |
| Loan growth YoY | -3.16% | 16th pct | 11th pct |
| Share growth YoY | 3.51% | 51th pct | 49th pct |
| Efficiency ratio | 85.89% | 75th pct | 74th pct |
structural peer set hash: 49eecb1c34d7d5113d2031f9b256a122… (reproducible)
Closest structural peers
This is the free public view
Claim ALABAMA CENTRAL
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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.