COOSA PINES
Charter #6774 · Childersburg, AL · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 25,798 ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 15.98% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.66% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 59.13% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
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 | COOSA PINES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $413.57M | 91th pct | 82th pct |
| Members | 25,798 | 89th pct | 79th pct |
| Net worth ratio | 15.98% | 89th pct | 82th pct |
| Return on average assets | 1.66% | 92th pct | 87th pct |
| Net interest margin | 3.99% | 71th pct | 56th pct |
| Cost of funds | 1.49% | 66th pct | 67th pct |
| Loan-to-share | 71.31% | 49th pct | 44th pct |
| Delinquency 60+ days | 0.79% | 64th pct | 66th pct |
| Net charge-off ratio | 0.72% | 79th pct | 70th pct |
| Loan growth YoY | 2.84% | 74th pct | 72th pct |
| Share growth YoY | 5.53% | 76th pct | 69th pct |
| Efficiency ratio | 59.13% | 8th pct | 7th pct |
structural peer set hash: b5b26b8d54cac67a11b3b1eac8c852d0… (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.