AMBRAW
Charter #567 · Lawrenceville, IL · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.60% sits at the 20th percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.12% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 90.16% sits at the 75th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 27th percentile but its structural peers at the 46th — a 19-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 | AMBRAW | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $16.81M | 27th pct | 46th pct |
| Members | 2,001 | 46th pct | 56th pct |
| Net worth ratio | 9.60% | 15th pct | 20th pct |
| Return on average assets | 0.39% | 35th pct | 34th pct |
| Net interest margin | 3.40% | 31th pct | 43th pct |
| Cost of funds | 0.58% | 37th pct | 48th pct |
| Loan-to-share | 16.18% | 1th pct | 2th pct |
| Delinquency 60+ days | 0.49% | 45th pct | 47th pct |
| Net charge-off ratio | -0.12% | 8th pct | 8th pct |
| Loan growth YoY | -20.65% | 0th pct | 0th pct |
| Share growth YoY | 3.04% | 56th pct | 58th pct |
| Efficiency ratio | 90.16% | 73th pct | 75th pct |
structural peer set hash: 90bd1309d2a78d665fba19b1d000f91a… (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.