ACCENTRA
Charter #60798 · AUSTIN, MN · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.05% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.06% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.82% sits at the 93rd percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.17% sits at the 92nd percentile of structural peers — worth a closer look.
- Efficiency ratio of 67.09% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
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 | ACCENTRA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $217.07M | 56th pct | 52th pct |
| Members | 17,036 | 66th pct | 56th pct |
| Net worth ratio | 10.46% | 34th pct | 41th pct |
| Return on average assets | 1.05% | 72th pct | 77th pct |
| Net interest margin | 3.74% | 56th pct | 46th pct |
| Cost of funds | 0.06% | 5th pct | 10th pct |
| Loan-to-share | 69.52% | 45th pct | 36th pct |
| Delinquency 60+ days | 1.82% | 93th pct | 93th pct |
| Net charge-off ratio | 1.17% | 92th pct | 92th pct |
| Loan growth YoY | -1.24% | 33th pct | 20th pct |
| Share growth YoY | 5.34% | 74th pct | 70th pct |
| Efficiency ratio | 67.09% | 20th pct | 8th pct |
structural peer set hash: 432df87d2e9a7bfb817082fd283b359e… (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.