AMERICHOICE
Charter #20041 · Mechanicsburg, PA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Delinquency 60+ days of 1.24% sits at the 84th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.11% ranks in the 11th 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 | AMERICHOICE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $240.39M | 61th pct | 51th pct |
| Members | 15,813 | 62th pct | 51th pct |
| Net worth ratio | 12.15% | 59th pct | 61th pct |
| Return on average assets | 0.84% | 59th pct | 52th pct |
| Net interest margin | 3.85% | 64th pct | 66th pct |
| Cost of funds | 0.89% | 33th pct | 36th pct |
| Loan-to-share | 69.18% | 44th pct | 46th pct |
| Delinquency 60+ days | 1.24% | 84th pct | 84th pct |
| Net charge-off ratio | 0.11% | 20th pct | 11th pct |
| Loan growth YoY | -2.57% | 20th pct | 23th pct |
| Share growth YoY | 3.47% | 50th pct | 43th pct |
| Efficiency ratio | 81.32% | 60th pct | 61th pct |
structural peer set hash: 6b3f670a36f83c91518f7248d34cb39a… (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.