AMERICO
Charter #12752 · ERIE, PA · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 0.47% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.68% sits at the 89th 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 | AMERICO | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $91.16M | 85th pct | 72th pct |
| Members | 7,375 | 83th pct | 74th pct |
| Net worth ratio | 12.39% | 46th pct | 44th pct |
| Return on average assets | 1.17% | 73th pct | 64th pct |
| Net interest margin | 3.57% | 42th pct | 44th pct |
| Cost of funds | 0.47% | 21th pct | 25th pct |
| Loan-to-share | 37.02% | 10th pct | 13th pct |
| Delinquency 60+ days | 1.68% | 89th pct | 89th pct |
| Net charge-off ratio | 0.47% | 69th pct | 61th pct |
| Loan growth YoY | -0.66% | 58th pct | 51th pct |
| Share growth YoY | 3.19% | 55th pct | 43th pct |
| Efficiency ratio | 69.36% | 25th pct | 34th pct |
structural peer set hash: aceb32fc86b61be5ce52a0dd6ed0e15a… (reproducible)
Closest structural peers
This is the free public view
Claim AMERICO
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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.