AVENIR FINANCIAL
Charter #4915 · YUMA, AZ · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 33,293 ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 14.66% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.55% sits at the 82nd percentile of structural peers — worth a closer look.
- On Cost of funds, the asset-size band puts this credit union at the 80th percentile but its structural peers at the 62nd — a 18-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 | AVENIR FINANCIAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $395.00M | 88th pct | 75th pct |
| Members | 33,293 | 96th pct | 93th pct |
| Net worth ratio | 14.66% | 83th pct | 77th pct |
| Return on average assets | 0.55% | 39th pct | 26th pct |
| Net interest margin | 3.56% | 44th pct | 28th pct |
| Cost of funds | 1.79% | 80th pct | 62th pct |
| Loan-to-share | 94.40% | 95th pct | 82th pct |
| Delinquency 60+ days | 0.34% | 26th pct | 34th pct |
| Net charge-off ratio | 0.55% | 69th pct | 82th pct |
| Loan growth YoY | 4.22% | 82th pct | 72th pct |
| Share growth YoY | 5.84% | 79th pct | 80th pct |
| Efficiency ratio | 84.11% | 69th pct | 69th pct |
structural peer set hash: 51f3b175b77cddbf465862942fe18ea2… (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.