AFLAC
Charter #16096 · COLUMBUS, GA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 9,446 ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 37.15% ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 2.65% ranks in the 97th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.71% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.53% sits at the 85th 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 | AFLAC | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $137.41M | 24th pct | 82th pct |
| Members | 9,446 | 28th pct | 89th pct |
| Net worth ratio | 37.15% | 100th pct | 93th pct |
| Return on average assets | 2.65% | 99th pct | 97th pct |
| Net interest margin | 3.71% | 54th pct | 75th pct |
| Cost of funds | 1.01% | 39th pct | 49th pct |
| Loan-to-share | 15.09% | 0th pct | 15th pct |
| Delinquency 60+ days | 1.53% | 90th pct | 85th pct |
| Net charge-off ratio | -0.05% | 2th pct | 13th pct |
| Loan growth YoY | -3.84% | 11th pct | 46th pct |
| Share growth YoY | -1.42% | 4th pct | 26th pct |
| Efficiency ratio | 20.32% | 0th pct | 0th pct |
structural peer set hash: d34f4a3cdd22d0aa443dd3caa9718344… (reproducible)
Closest structural peers
This is the free public view
Claim AFLAC
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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.