A.B.D.
Charter #5885 · WARREN, MI · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 6,115 ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of -0.96% sits at the 0th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.45% sits at the 79th percentile of structural peers — worth a closer look.
- Efficiency ratio of 108.74% sits at the 95th 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 | A.B.D. | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $66.70M | 42th pct | 48th pct |
| Members | 6,115 | 67th pct | 77th pct |
| Net worth ratio | 15.12% | 70th pct | 66th pct |
| Return on average assets | -0.96% | 3th pct | 0th pct |
| Net interest margin | 3.62% | 47th pct | 59th pct |
| Cost of funds | 0.71% | 36th pct | 46th pct |
| Loan-to-share | 30.80% | 5th pct | 15th pct |
| Delinquency 60+ days | 1.45% | 85th pct | 79th pct |
| Net charge-off ratio | 0.49% | 71th pct | 67th pct |
| Loan growth YoY | -5.02% | 18th pct | 31th pct |
| Share growth YoY | 1.23% | 32th pct | 33th pct |
| Efficiency ratio | 108.74% | 97th pct | 95th pct |
structural peer set hash: 402ab41d8525af3510906adc73f213d0… (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.