AREA
Charter #274 · ABERDEEN, SD · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 16.72% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.13% ranks in the 5th percentile among structurally similar credit unions — a relative strength.
- On Net interest margin, the asset-size band puts this credit union at the 61st percentile but its structural peers at the 36th — a 25-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 | AREA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $200.24M | 51th pct | 62th pct |
| Members | 11,751 | 43th pct | 39th pct |
| Net worth ratio | 16.72% | 92th pct | 90th pct |
| Return on average assets | 1.35% | 85th pct | 70th pct |
| Net interest margin | 3.82% | 61th pct | 36th pct |
| Cost of funds | 1.67% | 76th pct | 59th pct |
| Loan-to-share | 81.47% | 72th pct | 57th pct |
| Delinquency 60+ days | 0.48% | 39th pct | 33th pct |
| Net charge-off ratio | 0.13% | 23th pct | 5th pct |
| Loan growth YoY | 2.98% | 75th pct | 70th pct |
| Share growth YoY | 7.10% | 88th pct | 82th pct |
| Efficiency ratio | 68.97% | 22th pct | 39th pct |
structural peer set hash: 1ebf0df10c73b2fd1d658fffee3d3786… (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.