A & S
Charter #3741 · Aliquippa, PA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.89% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.23% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.10% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.00% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 59.34% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
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 | A & S | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $40.03M | 83th pct | 56th pct |
| Members | 2,372 | 59th pct | 38th pct |
| Net worth ratio | 14.37% | 55th pct | 59th pct |
| Return on average assets | 1.89% | 93th pct | 92th pct |
| Net interest margin | 3.84% | 49th pct | 62th pct |
| Cost of funds | 0.23% | 16th pct | 16th pct |
| Loan-to-share | 36.12% | 17th pct | 33th pct |
| Delinquency 60+ days | 0.10% | 22th pct | 13th pct |
| Net charge-off ratio | -0.00% | 23th pct | 20th pct |
| Loan growth YoY | 4.57% | 92th pct | 95th pct |
| Share growth YoY | 2.35% | 48th pct | 34th pct |
| Efficiency ratio | 59.34% | 11th pct | 8th pct |
structural peer set hash: bd1725b74a5f88a19a8d3436d003267f… (reproducible)
Closest structural peers
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Claim A & S
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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.