OPP-MICOLAS
Charter #62486 · OPP, AL · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -1.19% sits at the 7th percentile of structural peers — worth a closer look.
- Cost of funds of 0.17% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 3.81% sits at the 87th percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.02% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 129.67% sits at the 97th 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 | OPP-MICOLAS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $10.43M | 2th pct | 41th pct |
| Members | 1,622 | 29th pct | 59th pct |
| Net worth ratio | 25.21% | 95th pct | 74th pct |
| Return on average assets | -1.19% | 5th pct | 7th pct |
| Net interest margin | 3.85% | 50th pct | 64th pct |
| Cost of funds | 0.17% | 12th pct | 13th pct |
| Loan-to-share | 32.14% | 12th pct | 36th pct |
| Delinquency 60+ days | 3.81% | 96th pct | 87th pct |
| Net charge-off ratio | -0.02% | 18th pct | 20th pct |
| Loan growth YoY | 7.69% | 96th pct | 98th pct |
| Share growth YoY | -1.45% | 15th pct | 33th pct |
| Efficiency ratio | 129.67% | 98th pct | 97th pct |
structural peer set hash: 073d6145503e990d9da99800c2265684… (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.