ADVANCE FINANCIAL
Charter #24078 · Schererville, IN · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 7,165 sits at the 25th percentile of structural peers — worth a closer look.
- Return on average assets of 0.38% sits at the 21st percentile of structural peers — worth a closer look.
- Cost of funds of 0.50% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.04% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 93.51% sits at the 92nd 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 | ADVANCE FINANCIAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $122.80M | 15th pct | 33th pct |
| Members | 7,165 | 13th pct | 25th pct |
| Net worth ratio | 12.99% | 69th pct | 70th pct |
| Return on average assets | 0.38% | 28th pct | 21th pct |
| Net interest margin | 3.26% | 27th pct | 31th pct |
| Cost of funds | 0.50% | 19th pct | 21th pct |
| Loan-to-share | 54.86% | 18th pct | 36th pct |
| Delinquency 60+ days | 0.50% | 41th pct | 62th pct |
| Net charge-off ratio | 0.04% | 11th pct | 16th pct |
| Loan growth YoY | -2.28% | 23th pct | 36th pct |
| Share growth YoY | -0.28% | 8th pct | 5th pct |
| Efficiency ratio | 93.51% | 91th pct | 92th pct |
structural peer set hash: 0c7f1f6f6bd52d70a3716f9419adeec6… (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.