ABERDEEN PROVING GROUND
Charter #2540 · ABERDEEN, MD · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.07% sits at the 20th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.46% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- On Net charge-off ratio, the asset-size band puts this credit union at the 75th percentile but its structural peers at the 49th — a 26-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 | ABERDEEN PROVING GROUND | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $2.65B | 58th pct | 56th pct |
| Members | 184,732 | 70th pct | 62th pct |
| Net worth ratio | 9.07% | 15th pct | 20th pct |
| Return on average assets | 0.48% | 28th pct | 41th pct |
| Net interest margin | 3.97% | 87th pct | 72th pct |
| Cost of funds | 1.71% | 47th pct | 49th pct |
| Loan-to-share | 94.92% | 79th pct | 84th pct |
| Delinquency 60+ days | 0.46% | 33th pct | 23th pct |
| Net charge-off ratio | 0.80% | 75th pct | 49th pct |
| Loan growth YoY | 5.17% | 83th pct | 85th pct |
| Share growth YoY | 5.09% | 65th pct | 64th pct |
| Efficiency ratio | 75.20% | 59th pct | 51th pct |
structural peer set hash: ff5cd055a264851f0eb1d942fbfc7a1c… (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.