LISTERHILL
Charter #63057 · Sheffield, AL · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.43% sits at the 20th percentile of structural peers — worth a closer look.
- Cost of funds of 0.35% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.34% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 84.62% sits at the 85th percentile of structural peers — worth a closer look.
- On Members, the asset-size band puts this credit union at the 37th percentile but its structural peers at the 64th — a 27-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 | LISTERHILL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.46B | 28th pct | 54th pct |
| Members | 91,837 | 37th pct | 64th pct |
| Net worth ratio | 10.95% | 55th pct | 59th pct |
| Return on average assets | 0.43% | 24th pct | 20th pct |
| Net interest margin | 3.49% | 58th pct | 39th pct |
| Cost of funds | 0.35% | 9th pct | 13th pct |
| Loan-to-share | 82.12% | 37th pct | 39th pct |
| Delinquency 60+ days | 0.69% | 56th pct | 46th pct |
| Net charge-off ratio | 0.34% | 27th pct | 25th pct |
| Loan growth YoY | -0.34% | 22th pct | 26th pct |
| Share growth YoY | 3.62% | 41th pct | 43th pct |
| Efficiency ratio | 84.62% | 90th pct | 85th pct |
structural peer set hash: d246185e3370e72f33a7eba1c20be9e9… (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.