ALPINE COMMUNITY
Charter #68010 · Alpine, TX · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Delinquency 60+ days of 0.09% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.36% sits at the 82nd percentile of structural peers — worth a closer look.
- On Net worth ratio, the asset-size band puts this credit union at the 66th percentile but its structural peers at the 44th — a 21-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 COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $14.78M | 20th pct | 38th pct |
| Members | 1,944 | 44th pct | 56th pct |
| Net worth ratio | 16.05% | 66th pct | 44th pct |
| Return on average assets | 0.65% | 50th pct | 30th pct |
| Net interest margin | 3.17% | 21th pct | 33th pct |
| Cost of funds | 0.35% | 23th pct | 26th pct |
| Loan-to-share | 29.01% | 9th pct | 18th pct |
| Delinquency 60+ days | 0.09% | 20th pct | 21th pct |
| Net charge-off ratio | 0.36% | 65th pct | 82th pct |
| Loan growth YoY | -5.06% | 30th pct | 48th pct |
| Share growth YoY | 3.54% | 62th pct | 51th pct |
| Efficiency ratio | 80.79% | 51th pct | 67th pct |
structural peer set hash: fd6133f39cd69778965567abe221c28d… (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.