ALIVE
Charter #67316 · Jacksonville, FL · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 3.16% sits at the 23rd percentile of structural peers — worth a closer look.
- Cost of funds of 0.29% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 72nd percentile but its structural peers at the 57th — a 15-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 | ALIVE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $294.19M | 73th pct | 59th pct |
| Members | 18,605 | 72th pct | 57th pct |
| Net worth ratio | 11.43% | 50th pct | 49th pct |
| Return on average assets | 0.90% | 63th pct | 57th pct |
| Net interest margin | 3.16% | 21th pct | 23th pct |
| Cost of funds | 0.29% | 12th pct | 13th pct |
| Loan-to-share | 63.20% | 32th pct | 44th pct |
| Delinquency 60+ days | 0.41% | 32th pct | 44th pct |
| Net charge-off ratio | 0.18% | 28th pct | 38th pct |
| Loan growth YoY | 2.20% | 68th pct | 64th pct |
| Share growth YoY | 5.80% | 79th pct | 79th pct |
| Efficiency ratio | 74.25% | 35th pct | 39th pct |
structural peer set hash: b5087d56cc76e095c498c2c6a257b32c… (reproducible)
Closest structural peers
This is the free public view
Claim ALIVE
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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.