ALLVAC SAVINGS AND
Charter #60660 · MONROE, NC · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net charge-off ratio of -0.05% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 96th percentile but its structural peers at the 56th — a 40-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 | ALLVAC SAVINGS AND | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $9.29M | 96th pct | 56th pct |
| Members | 1,464 | 93th pct | 66th pct |
| Net worth ratio | 17.60% | 50th pct | 67th pct |
| Return on average assets | 0.83% | 66th pct | 44th pct |
| Net interest margin | 4.46% | 63th pct | 52th pct |
| Cost of funds | 0.46% | 47th pct | 28th pct |
| Loan-to-share | 67.24% | 60th pct | 41th pct |
| Delinquency 60+ days | 0.28% | 36th pct | 31th pct |
| Net charge-off ratio | -0.05% | 16th pct | 15th pct |
| Loan growth YoY | -0.08% | 74th pct | 77th pct |
| Share growth YoY | 9.16% | 92th pct | 97th pct |
| Efficiency ratio | 80.99% | 42th pct | 64th pct |
structural peer set hash: 8681b61c19dd55174a835e6b05e44e2b… (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.