NAHEOLA
Charter #62661 · Pennington, AL · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 12,848 ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 17.61% ranks in the 87th 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.
- Net interest margin of 3.85% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 2.50% sits at the 90th 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 | NAHEOLA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $218.69M | 56th pct | 57th pct |
| Members | 12,848 | 48th pct | 79th pct |
| Net worth ratio | 17.61% | 94th pct | 87th pct |
| Return on average assets | 1.50% | 88th pct | 80th pct |
| Net interest margin | 3.85% | 64th pct | 80th pct |
| Cost of funds | 2.50% | 97th pct | 90th pct |
| Loan-to-share | 87.79% | 85th pct | 54th pct |
| Delinquency 60+ days | 1.64% | 91th pct | 85th pct |
| Net charge-off ratio | 0.26% | 39th pct | 82th pct |
| Loan growth YoY | 1.32% | 60th pct | 52th pct |
| Share growth YoY | 1.33% | 21th pct | 21th pct |
| Efficiency ratio | 60.34% | 9th pct | 21th pct |
structural peer set hash: 8811cf5c24786439673a59513af0f6a9… (reproducible)
Closest structural peers
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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.