ECO
Charter #65464 · Birmingham, AL · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 3.09% sits at the 16th 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 | ECO | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $194.37M | 49th pct | 48th pct |
| Members | 14,871 | 59th pct | 51th pct |
| Net worth ratio | 11.59% | 51th pct | 54th pct |
| Return on average assets | 0.37% | 27th pct | 28th pct |
| Net interest margin | 3.09% | 18th pct | 16th pct |
| Cost of funds | 0.91% | 34th pct | 33th pct |
| Loan-to-share | 55.08% | 18th pct | 30th pct |
| Delinquency 60+ days | 0.82% | 66th pct | 69th pct |
| Net charge-off ratio | 0.38% | 52th pct | 44th pct |
| Loan growth YoY | 2.62% | 72th pct | 66th pct |
| Share growth YoY | 2.51% | 35th pct | 36th pct |
| Efficiency ratio | 86.06% | 75th pct | 64th pct |
structural peer set hash: 818146a88eac258843f058fc1e6da547… (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.