ALABAMA
Charter #60823 · TUSCALOOSA, AL · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 152,671 ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 2.58% sits at the 10th percentile of structural peers — worth a closer look.
- Cost of funds of 0.33% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 45th percentile but its structural peers at the 69th — a 24-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 | ALABAMA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $2.06B | 45th pct | 69th pct |
| Members | 152,671 | 61th pct | 82th pct |
| Net worth ratio | 9.97% | 32th pct | 46th pct |
| Return on average assets | 0.68% | 47th pct | 62th pct |
| Net interest margin | 2.58% | 11th pct | 10th pct |
| Cost of funds | 0.33% | 8th pct | 7th pct |
| Loan-to-share | 86.02% | 48th pct | 41th pct |
| Delinquency 60+ days | 0.79% | 65th pct | 54th pct |
| Net charge-off ratio | 0.55% | 54th pct | 70th pct |
| Loan growth YoY | -2.65% | 6th pct | 13th pct |
| Share growth YoY | 2.59% | 23th pct | 33th pct |
| Efficiency ratio | 79.29% | 75th pct | 57th pct |
structural peer set hash: eb0f253d6b37bba21784c0564f6f6f13… (reproducible)
Closest structural peers
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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.