AERO
Charter #12164 · Glendale, AZ · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.11% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.19% sits at the 2nd percentile of structural peers — worth a closer look.
- Cost of funds of 2.00% sits at the 85th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.24% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 64.75% ranks in the 8th 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 | AERO | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $360.87M | 84th pct | 67th pct |
| Members | 23,937 | 87th pct | 54th pct |
| Net worth ratio | 11.73% | 53th pct | 67th pct |
| Return on average assets | 1.11% | 75th pct | 82th pct |
| Net interest margin | 3.19% | 23th pct | 2th pct |
| Cost of funds | 2.00% | 88th pct | 85th pct |
| Loan-to-share | 86.09% | 81th pct | 69th pct |
| Delinquency 60+ days | 0.24% | 17th pct | 8th pct |
| Net charge-off ratio | 0.48% | 62th pct | 52th pct |
| Loan growth YoY | 1.45% | 61th pct | 49th pct |
| Share growth YoY | 4.59% | 66th pct | 61th pct |
| Efficiency ratio | 64.75% | 15th pct | 8th pct |
structural peer set hash: bf4e836b62be46d1d5f282aceeb45e16… (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.