MAX
Charter #68575 · Montgomery, AL · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 131,569 ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 14.34% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.75% ranks in the 98th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.62% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 59.63% ranks in the 3rd 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 | MAX | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $2.35B | 52th pct | 85th pct |
| Members | 131,569 | 55th pct | 90th pct |
| Net worth ratio | 14.34% | 91th pct | 89th pct |
| Return on average assets | 1.75% | 97th pct | 98th pct |
| Net interest margin | 3.19% | 40th pct | 30th pct |
| Cost of funds | 0.62% | 14th pct | 16th pct |
| Loan-to-share | 56.95% | 5th pct | 18th pct |
| Delinquency 60+ days | 0.70% | 58th pct | 61th pct |
| Net charge-off ratio | 0.45% | 41th pct | 36th pct |
| Loan growth YoY | 0.69% | 35th pct | 43th pct |
| Share growth YoY | 2.95% | 30th pct | 34th pct |
| Efficiency ratio | 59.63% | 10th pct | 3th pct |
structural peer set hash: 36644a485531eecc5108372e5a6a5816… (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.