VALLEY
Charter #60930 · TUSCUMBIA, AL · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 0.12% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.68% sits at the 87th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 8th percentile but its structural peers at the 46th — a 38-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 | VALLEY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $111.34M | 8th pct | 46th pct |
| Members | 6,075 | 7th pct | 33th pct |
| Net worth ratio | 13.99% | 79th pct | 70th pct |
| Return on average assets | 0.46% | 33th pct | 33th pct |
| Net interest margin | 2.98% | 14th pct | 28th pct |
| Cost of funds | 0.12% | 7th pct | 8th pct |
| Loan-to-share | 39.17% | 4th pct | 20th pct |
| Delinquency 60+ days | 0.27% | 20th pct | 31th pct |
| Net charge-off ratio | 0.68% | 77th pct | 87th pct |
| Loan growth YoY | 1.93% | 65th pct | 79th pct |
| Share growth YoY | 2.54% | 36th pct | 36th pct |
| Efficiency ratio | 82.84% | 65th pct | 61th pct |
structural peer set hash: 0945625c0ffdb9752e19313b325ee60f… (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.