AZURA
Charter #61823 · Topeka, KS · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 1.82% sits at the 79th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.95% sits at the 75th percentile of structural peers — worth a closer look.
- On Efficiency ratio, the asset-size band puts this credit union at the 47th percentile but its structural peers at the 74th — a 26-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 | AZURA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $851.90M | 78th pct | 74th pct |
| Members | 59,571 | 87th pct | 72th pct |
| Net worth ratio | 10.12% | 44th pct | 43th pct |
| Return on average assets | 0.49% | 37th pct | 26th pct |
| Net interest margin | 3.91% | 78th pct | 61th pct |
| Cost of funds | 1.82% | 75th pct | 79th pct |
| Loan-to-share | 77.41% | 38th pct | 51th pct |
| Delinquency 60+ days | 0.84% | 68th pct | 69th pct |
| Net charge-off ratio | 0.95% | 85th pct | 75th pct |
| Loan growth YoY | -1.16% | 25th pct | 18th pct |
| Share growth YoY | 5.05% | 69th pct | 59th pct |
| Efficiency ratio | 77.69% | 47th pct | 74th pct |
structural peer set hash: dfb212ac69273d8c6ae94f6547e88b81… (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.