ROCKET CITY
Charter #9662 · HUNTSVILLE, AL · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 17.23% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.03% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.05% ranks in the 5th percentile among structurally similar credit unions — a relative strength.
- On Share growth YoY, the asset-size band puts this credit union at the 52nd percentile but its structural peers at the 33rd — a 20-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 | ROCKET CITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $67.54M | 43th pct | 57th pct |
| Members | 5,918 | 64th pct | 59th pct |
| Net worth ratio | 17.23% | 82th pct | 80th pct |
| Return on average assets | 1.32% | 79th pct | 69th pct |
| Net interest margin | 3.99% | 66th pct | 48th pct |
| Cost of funds | 1.06% | 59th pct | 66th pct |
| Loan-to-share | 55.22% | 41th pct | 49th pct |
| Delinquency 60+ days | 0.03% | 4th pct | 8th pct |
| Net charge-off ratio | -0.05% | 6th pct | 5th pct |
| Loan growth YoY | -6.64% | 10th pct | 16th pct |
| Share growth YoY | 3.10% | 52th pct | 33th pct |
| Efficiency ratio | 74.87% | 36th pct | 43th pct |
structural peer set hash: 17735ccc9dadcbb9167d4ec90aa0c762… (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.