APPLE
Charter #11307 · Fairfax, VA · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.98% ranks in the 97th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 2.82% sits at the 16th percentile of structural peers — worth a closer look.
- Cost of funds of 2.22% sits at the 80th percentile of structural peers — worth a closer look.
- Efficiency ratio of 60.11% ranks in the 7th 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 | APPLE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $5.62B | 85th pct | 79th pct |
| Members | 267,466 | 81th pct | 72th pct |
| Net worth ratio | 10.83% | 52th pct | 44th pct |
| Return on average assets | 1.98% | 99th pct | 97th pct |
| Net interest margin | 2.82% | 18th pct | 16th pct |
| Cost of funds | 2.22% | 73th pct | 80th pct |
| Loan-to-share | 70.61% | 16th pct | 25th pct |
| Delinquency 60+ days | 0.50% | 37th pct | 30th pct |
| Net charge-off ratio | 0.56% | 55th pct | 52th pct |
| Loan growth YoY | 0.35% | 32th pct | 32th pct |
| Share growth YoY | 5.97% | 75th pct | 81th pct |
| Efficiency ratio | 60.11% | 11th pct | 7th pct |
structural peer set hash: fd38907b73b001fdb420b64d93e310f2… (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.