AZALEA CITY
Charter #68224 · MOBILE, AL · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 1.35% sits at the 79th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 3.40% sits at the 97th percentile of structural peers — worth a closer look.
- On Members, the asset-size band puts this credit union at the 93rd percentile but its structural peers at the 64th — a 29-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 | AZALEA CITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $46.07M | 95th pct | 72th pct |
| Members | 4,379 | 93th pct | 64th pct |
| Net worth ratio | 15.32% | 62th pct | 64th pct |
| Return on average assets | 1.05% | 70th pct | 54th pct |
| Net interest margin | 4.20% | 67th pct | 72th pct |
| Cost of funds | 1.35% | 73th pct | 79th pct |
| Loan-to-share | 52.72% | 42th pct | 41th pct |
| Delinquency 60+ days | 3.40% | 94th pct | 97th pct |
| Net charge-off ratio | 0.34% | 64th pct | 52th pct |
| Loan growth YoY | -7.16% | 17th pct | 8th pct |
| Share growth YoY | 1.99% | 44th pct | 38th pct |
| Efficiency ratio | 80.69% | 51th pct | 62th pct |
structural peer set hash: f1d92261d0c7f2fb75a987e59af9202a… (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.