FORT MCCLELLAN
Charter #61800 · Anniston, AL · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.30% sits at the 18th percentile of structural peers — worth a closer look.
- Net interest margin of 3.15% sits at the 21st percentile of structural peers — worth a closer look.
- Cost of funds of 0.08% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.09% sits at the 80th percentile of structural peers — worth a closer look.
- On Loan-to-share, the asset-size band puts this credit union at the 9th percentile but its structural peers at the 28th — a 18-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 | FORT MCCLELLAN | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $224.74M | 58th pct | 67th pct |
| Members | 15,331 | 60th pct | 62th pct |
| Net worth ratio | 12.68% | 65th pct | 56th pct |
| Return on average assets | 0.30% | 23th pct | 18th pct |
| Net interest margin | 3.15% | 21th pct | 21th pct |
| Cost of funds | 0.08% | 6th pct | 13th pct |
| Loan-to-share | 47.37% | 9th pct | 28th pct |
| Delinquency 60+ days | 1.09% | 79th pct | 80th pct |
| Net charge-off ratio | 0.76% | 82th pct | 72th pct |
| Loan growth YoY | -0.18% | 46th pct | 59th pct |
| Share growth YoY | 1.00% | 17th pct | 13th pct |
| Efficiency ratio | 81.22% | 60th pct | 64th pct |
structural peer set hash: 79cfa7e8b91c0b749e26ed9b700713dd… (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.