ACBA FED CREDIT UNION (3226)
Charter #3226 · Pittsburgh, PA · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -4.39% sits at the 2nd percentile of structural peers — worth a closer look.
- Net interest margin of 6.91% ranks in the 97th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.31% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 5.69% sits at the 93rd percentile of structural peers — worth a closer look.
- Net charge-off ratio of 3.68% sits at the 97th 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 | ACBA FED CREDIT UNION (3226) | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $3.08M | 41th pct | 11th pct |
| Members | 967 | 81th pct | 43th pct |
| Net worth ratio | 14.10% | 33th pct | 54th pct |
| Return on average assets | -4.39% | 5th pct | 2th pct |
| Net interest margin | 6.91% | 96th pct | 97th pct |
| Cost of funds | 0.31% | 39th pct | 15th pct |
| Loan-to-share | 74.44% | 69th pct | 52th pct |
| Delinquency 60+ days | 5.69% | 89th pct | 93th pct |
| Net charge-off ratio | 3.68% | 95th pct | 97th pct |
| Loan growth YoY | -8.65% | 33th pct | 10th pct |
| Share growth YoY | 1.52% | 61th pct | 51th pct |
| Efficiency ratio | 130.88% | 90th pct | 97th pct |
structural peer set hash: 608bc65ca12966c7814261e2270d9f84… (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.