AIR ACADEMY
Charter #10600 · Colorado Spring, CO · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.44% sits at the 18th percentile of structural peers — worth a closer look.
- Return on average assets of 0.25% sits at the 23rd percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.38% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.62% sits at the 84th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 74th percentile but its structural peers at the 51st — a 23-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 | AIR ACADEMY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $825.42M | 74th pct | 51th pct |
| Members | 43,990 | 57th pct | 38th pct |
| Net worth ratio | 8.44% | 11th pct | 18th pct |
| Return on average assets | 0.25% | 19th pct | 23th pct |
| Net interest margin | 3.52% | 50th pct | 61th pct |
| Cost of funds | 1.27% | 36th pct | 26th pct |
| Loan-to-share | 87.20% | 69th pct | 56th pct |
| Delinquency 60+ days | 0.38% | 28th pct | 23th pct |
| Net charge-off ratio | 0.62% | 69th pct | 84th pct |
| Loan growth YoY | -1.24% | 24th pct | 13th pct |
| Share growth YoY | 0.96% | 13th pct | 15th pct |
| Efficiency ratio | 82.42% | 69th pct | 61th pct |
structural peer set hash: e4439880bbe9484971836894b73ac91c… (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.