AMERICAN HERITAGE
Charter #5621 · Philadelphia, PA · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 329,657 ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 8.46% sits at the 5th percentile of structural peers — worth a closer look.
- Return on average assets of 0.41% sits at the 11th percentile of structural peers — worth a closer look.
- Net interest margin of 2.82% sits at the 10th percentile of structural peers — worth a closer look.
- Cost of funds of 2.78% sits at the 90th 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 | AMERICAN HERITAGE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $5.32B | 84th pct | 77th pct |
| Members | 329,657 | 86th pct | 87th pct |
| Net worth ratio | 8.46% | 6th pct | 5th pct |
| Return on average assets | 0.41% | 21th pct | 11th pct |
| Net interest margin | 2.82% | 18th pct | 10th pct |
| Cost of funds | 2.78% | 92th pct | 90th pct |
| Loan-to-share | 85.33% | 46th pct | 30th pct |
| Delinquency 60+ days | 0.90% | 74th pct | 75th pct |
| Net charge-off ratio | 0.54% | 52th pct | 48th pct |
| Loan growth YoY | 2.36% | 59th pct | 56th pct |
| Share growth YoY | 5.47% | 70th pct | 79th pct |
| Efficiency ratio | 79.07% | 74th pct | 84th pct |
structural peer set hash: 695d134808a47a6f4b58cb1046abfdfa… (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.