AMPOT
Charter #19538 · HAMILTON, MS · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 11.34% sits at the 20th percentile of structural peers — worth a closer look.
- Return on average assets of -2.72% sits at the 0th percentile of structural peers — worth a closer look.
- Net interest margin of 2.24% sits at the 2nd percentile of structural peers — worth a closer look.
- Cost of funds of 2.42% sits at the 93rd percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.88% 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 | AMPOT | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $15.32M | 22th pct | 44th pct |
| Members | 2,173 | 53th pct | 66th pct |
| Net worth ratio | 11.34% | 30th pct | 20th pct |
| Return on average assets | -2.72% | 2th pct | 0th pct |
| Net interest margin | 2.24% | 3th pct | 2th pct |
| Cost of funds | 2.42% | 95th pct | 93th pct |
| Loan-to-share | 56.04% | 48th pct | 51th pct |
| Delinquency 60+ days | 1.88% | 83th pct | 82th pct |
| Net charge-off ratio | 0.41% | 68th pct | 72th pct |
| Loan growth YoY | -0.62% | 65th pct | 70th pct |
| Share growth YoY | 0.90% | 34th pct | 28th pct |
| Efficiency ratio | 114.02% | 95th pct | 98th pct |
structural peer set hash: 3360f41ba08b5f5d6d91c9bc2013e673… (reproducible)
Closest structural peers
This is the free public view
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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.