I AM
Charter #24670 · New York, NY · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 15,233 ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 0.28% sits at the 13th percentile of structural peers — worth a closer look.
- Net interest margin of 4.12% ranks in the 97th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 3.12% sits at the 97th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 3.72% sits at the 98th 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 | I AM | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $102.42M | 3th pct | 33th pct |
| Members | 15,233 | 60th pct | 90th pct |
| Net worth ratio | 11.70% | 53th pct | 48th pct |
| Return on average assets | 0.28% | 21th pct | 13th pct |
| Net interest margin | 4.12% | 78th pct | 97th pct |
| Cost of funds | 0.84% | 30th pct | 34th pct |
| Loan-to-share | 39.06% | 4th pct | 16th pct |
| Delinquency 60+ days | 3.12% | 98th pct | 97th pct |
| Net charge-off ratio | 3.72% | 100th pct | 98th pct |
| Loan growth YoY | -2.53% | 20th pct | 30th pct |
| Share growth YoY | 6.00% | 81th pct | 85th pct |
| Efficiency ratio | 73.53% | 33th pct | 34th pct |
structural peer set hash: a1d7cbbf2b808f45e1ec03c884f444c4… (reproducible)
Closest structural peers
This is the free public view
Claim I AM
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.