FEDERAL EMPLOYEES
Charter #62599 · BIRMINGHAM, AL · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.11% sits at the 18th percentile of structural peers — worth a closer look.
- Cost of funds of 0.22% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.50% sits at the 77th percentile of structural peers — worth a closer look.
- Efficiency ratio of 90.39% sits at the 85th percentile of structural peers — worth a closer look.
- On Loan-to-share, the asset-size band puts this credit union at the 53rd percentile but its structural peers at the 38th — a 15-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 | FEDERAL EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $19.45M | 34th pct | 39th pct |
| Members | 1,726 | 34th pct | 28th pct |
| Net worth ratio | 16.76% | 70th pct | 69th pct |
| Return on average assets | 0.11% | 22th pct | 18th pct |
| Net interest margin | 4.35% | 73th pct | 61th pct |
| Cost of funds | 0.22% | 16th pct | 10th pct |
| Loan-to-share | 59.16% | 53th pct | 38th pct |
| Delinquency 60+ days | 1.43% | 77th pct | 70th pct |
| Net charge-off ratio | 0.50% | 71th pct | 77th pct |
| Loan growth YoY | 2.10% | 82th pct | 85th pct |
| Share growth YoY | -1.87% | 13th pct | 16th pct |
| Efficiency ratio | 90.39% | 74th pct | 85th pct |
structural peer set hash: 1bfa879602481f5b56644963d87493e4… (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.