ALABAMA ONE
Charter #68595 · Tuscaloosa, AL · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 97,352 ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 8.99% sits at the 23rd percentile of structural peers — worth a closer look.
- Net interest margin of 2.81% sits at the 15th percentile of structural peers — worth a closer look.
- Cost of funds of 0.45% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.19% ranks in the 16th 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 | ALABAMA ONE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.51B | 32th pct | 61th pct |
| Members | 97,352 | 40th pct | 75th pct |
| Net worth ratio | 8.99% | 12th pct | 23th pct |
| Return on average assets | 0.55% | 35th pct | 44th pct |
| Net interest margin | 2.81% | 17th pct | 15th pct |
| Cost of funds | 0.45% | 11th pct | 11th pct |
| Loan-to-share | 79.45% | 30th pct | 30th pct |
| Delinquency 60+ days | 0.68% | 55th pct | 51th pct |
| Net charge-off ratio | 0.19% | 13th pct | 16th pct |
| Loan growth YoY | 5.87% | 86th pct | 89th pct |
| Share growth YoY | 3.82% | 44th pct | 44th pct |
| Efficiency ratio | 82.04% | 83th pct | 61th pct |
structural peer set hash: 5278ca14313b1f30020547f99650045f… (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.