ADVANCIAL
Charter #2285 · Dallas, TX · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 7.92% sits at the 2nd percentile of structural peers — worth a closer look.
- Return on average assets of 0.22% sits at the 11th percentile of structural peers — worth a closer look.
- Net interest margin of 2.98% sits at the 7th percentile of structural peers — worth a closer look.
- Cost of funds of 3.19% sits at the 97th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.13% sits at the 89th 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 | ADVANCIAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $2.39B | 53th pct | 56th pct |
| Members | 141,745 | 58th pct | 51th pct |
| Net worth ratio | 7.92% | 2th pct | 2th pct |
| Return on average assets | 0.22% | 10th pct | 11th pct |
| Net interest margin | 2.98% | 25th pct | 7th pct |
| Cost of funds | 3.19% | 96th pct | 97th pct |
| Loan-to-share | 104.05% | 96th pct | 95th pct |
| Delinquency 60+ days | 1.13% | 83th pct | 89th pct |
| Net charge-off ratio | 0.81% | 76th pct | 54th pct |
| Loan growth YoY | -0.23% | 24th pct | 16th pct |
| Share growth YoY | 3.52% | 39th pct | 30th pct |
| Efficiency ratio | 82.10% | 84th pct | 84th pct |
structural peer set hash: 2b3ca118bc62f0711c35541d2ecfb9d4… (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.