ALATRUST
Charter #60934 · HOOVER, AL · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 13.91% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 1.37% sits at the 77th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.93% sits at the 93rd percentile of structural peers — worth a closer look.
- On Cost of funds, the asset-size band puts this credit union at the 60th percentile but its structural peers at the 77th — a 17-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 | ALATRUST | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $219.46M | 57th pct | 52th pct |
| Members | 13,358 | 51th pct | 43th pct |
| Net worth ratio | 13.91% | 78th pct | 85th pct |
| Return on average assets | 1.20% | 79th pct | 72th pct |
| Net interest margin | 3.59% | 46th pct | 44th pct |
| Cost of funds | 1.37% | 60th pct | 77th pct |
| Loan-to-share | 62.75% | 31th pct | 36th pct |
| Delinquency 60+ days | 1.93% | 94th pct | 93th pct |
| Net charge-off ratio | 0.17% | 27th pct | 28th pct |
| Loan growth YoY | 1.90% | 65th pct | 70th pct |
| Share growth YoY | 4.24% | 61th pct | 57th pct |
| Efficiency ratio | 68.43% | 22th pct | 26th pct |
structural peer set hash: c83ef44c18bea352880b7178fdea6f1c… (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.