AMERICAN PARTNERS
Charter #22119 · Reidsville, NC · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 1.89% sits at the 87th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.02% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
- On Return on average assets, the asset-size band puts this credit union at the 59th percentile but its structural peers at the 74th — a 15-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 | AMERICAN PARTNERS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $106.59M | 5th pct | 7th pct |
| Members | 11,303 | 39th pct | 39th pct |
| Net worth ratio | 10.48% | 34th pct | 48th pct |
| Return on average assets | 0.82% | 59th pct | 74th pct |
| Net interest margin | 4.21% | 81th pct | 74th pct |
| Cost of funds | 1.89% | 85th pct | 87th pct |
| Loan-to-share | 84.44% | 78th pct | 72th pct |
| Delinquency 60+ days | 0.59% | 49th pct | 34th pct |
| Net charge-off ratio | 0.02% | 8th pct | 3th pct |
| Loan growth YoY | -5.53% | 5th pct | 2th pct |
| Share growth YoY | 1.49% | 22th pct | 26th pct |
| Efficiency ratio | 80.22% | 57th pct | 48th pct |
structural peer set hash: a2b531f4fdceb70d09d18994dd5058b1… (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.