FIVE STAR
Charter #68302 · Dothan, AL · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 13.60% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.04% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 2.28% sits at the 92nd percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.34% sits at the 90th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 17th percentile but its structural peers at the 54th — a 38-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 | FIVE STAR | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.25B | 17th pct | 54th pct |
| Members | 66,938 | 15th pct | 46th pct |
| Net worth ratio | 13.60% | 87th pct | 87th pct |
| Return on average assets | 1.04% | 75th pct | 79th pct |
| Net interest margin | 3.35% | 50th pct | 34th pct |
| Cost of funds | 2.28% | 77th pct | 92th pct |
| Loan-to-share | 78.47% | 29th pct | 34th pct |
| Delinquency 60+ days | 1.34% | 91th pct | 90th pct |
| Net charge-off ratio | 0.47% | 44th pct | 61th pct |
| Loan growth YoY | 7.41% | 92th pct | 97th pct |
| Share growth YoY | 2.32% | 21th pct | 15th pct |
| Efficiency ratio | 75.21% | 59th pct | 38th pct |
structural peer set hash: 729a3692a6215f3b112c6ac32bda913d… (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.