ARIZE
Charter #24187 · State College, PA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.14% sits at the 13th percentile of structural peers — worth a closer look.
- Net interest margin of 4.08% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.70% sits at the 87th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.69% sits at the 80th percentile of structural peers — worth a closer look.
- On Efficiency ratio, the asset-size band puts this credit union at the 55th percentile but its structural peers at the 36th — a 19-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 | ARIZE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $175.15M | 41th pct | 43th pct |
| Members | 11,905 | 44th pct | 51th pct |
| Net worth ratio | 8.14% | 4th pct | 13th pct |
| Return on average assets | 0.59% | 42th pct | 48th pct |
| Net interest margin | 4.08% | 75th pct | 82th pct |
| Cost of funds | 1.54% | 68th pct | 66th pct |
| Loan-to-share | 71.18% | 49th pct | 44th pct |
| Delinquency 60+ days | 1.70% | 93th pct | 87th pct |
| Net charge-off ratio | 0.69% | 78th pct | 80th pct |
| Loan growth YoY | 1.03% | 57th pct | 62th pct |
| Share growth YoY | -1.30% | 5th pct | 5th pct |
| Efficiency ratio | 79.96% | 55th pct | 36th pct |
structural peer set hash: 5d55a49fb84f5d0ba4ea8691fe44fbfe… (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.