AVH
Charter #22953 · natrona heights, PA · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 37.38% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 2.90% sits at the 79th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 2.57% sits at the 95th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 55th percentile but its structural peers at the 33rd — a 22-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 | AVH | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $4.47M | 55th pct | 33th pct |
| Members | 566 | 49th pct | 34th pct |
| Net worth ratio | 37.38% | 92th pct | 82th pct |
| Return on average assets | 0.68% | 60th pct | 49th pct |
| Net interest margin | 4.15% | 53th pct | 57th pct |
| Cost of funds | 0.28% | 37th pct | 30th pct |
| Loan-to-share | 53.66% | 45th pct | 52th pct |
| Delinquency 60+ days | 2.90% | 76th pct | 79th pct |
| Net charge-off ratio | 2.57% | 93th pct | 95th pct |
| Loan growth YoY | 0.06% | 75th pct | 79th pct |
| Share growth YoY | -1.31% | 38th pct | 39th pct |
| Efficiency ratio | 83.94% | 46th pct | 57th pct |
structural peer set hash: cd12417835f3f8c77dcafb660171958d… (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.