TUSCALOOSA V A
Charter #7532 · Tuscaloosa, AL · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 4.62% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.95% sits at the 90th percentile of structural peers — worth a closer look.
- Efficiency ratio of 67.96% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 71st percentile but its structural peers at the 52nd — a 18-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 | TUSCALOOSA V A | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $51.57M | 5th pct | 16th pct |
| Members | 4,788 | 45th pct | 46th pct |
| Net worth ratio | 12.88% | 51th pct | 54th pct |
| Return on average assets | 1.16% | 73th pct | 67th pct |
| Net interest margin | 4.62% | 90th pct | 82th pct |
| Cost of funds | 0.90% | 49th pct | 48th pct |
| Loan-to-share | 71.33% | 71th pct | 52th pct |
| Delinquency 60+ days | 0.55% | 45th pct | 44th pct |
| Net charge-off ratio | 0.95% | 88th pct | 90th pct |
| Loan growth YoY | 21.32% | 100th pct | 98th pct |
| Share growth YoY | 3.53% | 59th pct | 46th pct |
| Efficiency ratio | 67.96% | 22th pct | 20th pct |
structural peer set hash: 2ec20c89e4f3da6ce59b6df971435fdd… (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.