ALABAMA STATE EMPLOYEES
Charter #64598 · Montgomery, AL · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 39,014 ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.02% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.29% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- On Efficiency ratio, the asset-size band puts this credit union at the 51st percentile but its structural peers at the 67th — a 16-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 | ALABAMA STATE EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $460.94M | 97th pct | 89th pct |
| Members | 39,014 | 99th pct | 93th pct |
| Net worth ratio | 11.83% | 55th pct | 54th pct |
| Return on average assets | 0.73% | 53th pct | 38th pct |
| Net interest margin | 3.77% | 57th pct | 46th pct |
| Cost of funds | 0.02% | 3th pct | 3th pct |
| Loan-to-share | 59.26% | 25th pct | 28th pct |
| Delinquency 60+ days | 0.29% | 21th pct | 7th pct |
| Net charge-off ratio | 0.67% | 77th pct | 61th pct |
| Loan growth YoY | -4.17% | 9th pct | 10th pct |
| Share growth YoY | 8.77% | 95th pct | 95th pct |
| Efficiency ratio | 78.93% | 51th pct | 67th pct |
structural peer set hash: f575ee5dd15b4f06fceaab9d7406c9a8… (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.