SOCIAL SECURITY
Charter #61391 · Birmingham, AL · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 22.64% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.50% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.60% sits at the 85th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.98% sits at the 77th percentile of structural peers — worth a closer look.
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 | SOCIAL SECURITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $36.64M | 76th pct | 49th pct |
| Members | 2,632 | 66th pct | 36th pct |
| Net worth ratio | 22.64% | 91th pct | 90th pct |
| Return on average assets | 1.50% | 86th pct | 80th pct |
| Net interest margin | 4.18% | 66th pct | 70th pct |
| Cost of funds | 0.00% | 0th pct | 0th pct |
| Loan-to-share | 46.96% | 32th pct | 54th pct |
| Delinquency 60+ days | 1.60% | 80th pct | 85th pct |
| Net charge-off ratio | 0.98% | 85th pct | 77th pct |
| Loan growth YoY | -2.48% | 50th pct | 46th pct |
| Share growth YoY | 0.27% | 28th pct | 25th pct |
| Efficiency ratio | 66.81% | 20th pct | 18th pct |
structural peer set hash: a972a439966a3902d38d45075c657cb2… (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.