ASSOCIATED CREDIT UNION
Charter #60484 · NORCROSS, GA · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 12.78% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.10% ranks in the 5th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.30% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- On Return on average assets, the asset-size band puts this credit union at the 47th percentile but its structural peers at the 30th — 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 | ASSOCIATED CREDIT UNION | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $2.56B | 56th pct | 59th pct |
| Members | 172,340 | 66th pct | 69th pct |
| Net worth ratio | 12.78% | 80th pct | 89th pct |
| Return on average assets | 0.69% | 47th pct | 30th pct |
| Net interest margin | 3.79% | 79th pct | 70th pct |
| Cost of funds | 0.10% | 3th pct | 5th pct |
| Loan-to-share | 84.73% | 44th pct | 31th pct |
| Delinquency 60+ days | 0.30% | 14th pct | 10th pct |
| Net charge-off ratio | 0.61% | 58th pct | 52th pct |
| Loan growth YoY | 9.13% | 95th pct | 85th pct |
| Share growth YoY | 15.11% | 96th pct | 95th pct |
| Efficiency ratio | 75.02% | 58th pct | 66th pct |
structural peer set hash: b7075aa6c96d976cc3c73d0472284b24… (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.