CITY
Charter #62062 · TUSCALOOSA, AL · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 24.54% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.21% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.50% sits at the 85th percentile of structural peers — worth a closer look.
- On Efficiency ratio, the asset-size band puts this credit union at the 39th percentile but its structural peers at the 67th — a 28-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 | CITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $20.49M | 37th pct | 56th pct |
| Members | 1,583 | 27th pct | 39th pct |
| Net worth ratio | 24.54% | 94th pct | 85th pct |
| Return on average assets | 1.22% | 76th pct | 49th pct |
| Net interest margin | 3.86% | 50th pct | 39th pct |
| Cost of funds | 0.21% | 15th pct | 11th pct |
| Loan-to-share | 75.27% | 78th pct | 62th pct |
| Delinquency 60+ days | 0.61% | 51th pct | 52th pct |
| Net charge-off ratio | 0.50% | 71th pct | 85th pct |
| Loan growth YoY | -7.99% | 14th pct | 21th pct |
| Share growth YoY | 5.35% | 77th pct | 75th pct |
| Efficiency ratio | 76.09% | 39th pct | 67th pct |
structural peer set hash: 4514596f12d6343492e214360136802f… (reproducible)
Closest structural peers
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Claim CITY
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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.