ARC
Charter #11304 · Altoona, PA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.51% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.25% ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.73% sits at the 82nd percentile of structural peers — worth a closer look.
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 | ARC | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $155.04M | 33th pct | 34th pct |
| Members | 14,491 | 57th pct | 69th pct |
| Net worth ratio | 13.04% | 70th pct | 74th pct |
| Return on average assets | 1.51% | 89th pct | 82th pct |
| Net interest margin | 4.25% | 83th pct | 93th pct |
| Cost of funds | 0.63% | 23th pct | 33th pct |
| Loan-to-share | 58.04% | 23th pct | 36th pct |
| Delinquency 60+ days | 0.84% | 67th pct | 59th pct |
| Net charge-off ratio | 0.73% | 80th pct | 82th pct |
| Loan growth YoY | -2.64% | 19th pct | 18th pct |
| Share growth YoY | 4.54% | 65th pct | 64th pct |
| Efficiency ratio | 67.52% | 20th pct | 26th pct |
structural peer set hash: 366cf75b6b0a9c7559a732c0232d608e… (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.