ALPINE
Charter #64332 · Orem, UT · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 3.22% sits at the 10th percentile of structural peers — worth a closer look.
- Cost of funds of 0.22% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.24% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 72.12% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 77th percentile but its structural peers at the 59th — a 18-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 | ALPINE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $362.85M | 84th pct | 79th pct |
| Members | 19,839 | 77th pct | 59th pct |
| Net worth ratio | 10.07% | 29th pct | 41th pct |
| Return on average assets | 0.98% | 68th pct | 72th pct |
| Net interest margin | 3.22% | 24th pct | 10th pct |
| Cost of funds | 0.22% | 10th pct | 18th pct |
| Loan-to-share | 75.84% | 57th pct | 44th pct |
| Delinquency 60+ days | 0.77% | 63th pct | 57th pct |
| Net charge-off ratio | 0.24% | 36th pct | 25th pct |
| Loan growth YoY | -1.70% | 27th pct | 13th pct |
| Share growth YoY | 3.68% | 53th pct | 43th pct |
| Efficiency ratio | 72.12% | 29th pct | 21th pct |
structural peer set hash: ad8360076d0abf9fe795ebade409f182… (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.