ADVANZ
Charter #19853 · Louisville, KY · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 15.73% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.16% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 14th percentile but its structural peers at the 43rd — a 28-point gap showing why the peer definition matters.
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 | ADVANZ | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $158.88M | 35th pct | 49th pct |
| Members | 9,375 | 28th pct | 38th pct |
| Net worth ratio | 15.73% | 88th pct | 79th pct |
| Return on average assets | 0.92% | 65th pct | 59th pct |
| Net interest margin | 3.57% | 44th pct | 49th pct |
| Cost of funds | 1.22% | 50th pct | 59th pct |
| Loan-to-share | 52.38% | 14th pct | 43th pct |
| Delinquency 60+ days | 0.32% | 24th pct | 28th pct |
| Net charge-off ratio | 0.16% | 25th pct | 20th pct |
| Loan growth YoY | -0.20% | 45th pct | 54th pct |
| Share growth YoY | 2.99% | 43th pct | 38th pct |
| Efficiency ratio | 78.25% | 49th pct | 56th pct |
structural peer set hash: 623a9903efcd4f22b78f676a1d84011a… (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.