A.A.E.C.
Charter #60648 · Arlington Heigh, IL · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 4,513 sits at the 13th percentile of structural peers — worth a closer look.
- Net interest margin of 2.56% sits at the 7th percentile of structural peers — worth a closer look.
- Cost of funds of 0.61% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.07% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- On Net charge-off ratio, the asset-size band puts this credit union at the 25th percentile but its structural peers at the 51st — a 25-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 | A.A.E.C. | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $118.64M | 13th pct | 25th pct |
| Members | 4,513 | 2th pct | 13th pct |
| Net worth ratio | 12.84% | 67th pct | 57th pct |
| Return on average assets | 0.58% | 41th pct | 39th pct |
| Net interest margin | 2.56% | 5th pct | 7th pct |
| Cost of funds | 0.61% | 23th pct | 23th pct |
| Loan-to-share | 48.87% | 11th pct | 26th pct |
| Delinquency 60+ days | 0.07% | 4th pct | 11th pct |
| Net charge-off ratio | 0.16% | 25th pct | 51th pct |
| Loan growth YoY | 4.89% | 86th pct | 90th pct |
| Share growth YoY | 1.23% | 19th pct | 30th pct |
| Efficiency ratio | 74.06% | 34th pct | 39th pct |
structural peer set hash: 32a292022001af737c6f6da522a828b8… (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.