ARCADE
Charter #62114 · Asheville, NC · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net charge-off ratio of -0.02% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 67th percentile but its structural peers at the 28th — a 39-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 | ARCADE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $7.99M | 86th pct | 54th pct |
| Members | 761 | 67th pct | 28th pct |
| Net worth ratio | 14.06% | 32th pct | 54th pct |
| Return on average assets | 0.74% | 62th pct | 64th pct |
| Net interest margin | 3.89% | 45th pct | 52th pct |
| Cost of funds | 0.40% | 44th pct | 36th pct |
| Loan-to-share | 55.45% | 47th pct | 44th pct |
| Delinquency 60+ days | 0.66% | 46th pct | 61th pct |
| Net charge-off ratio | -0.02% | 19th pct | 15th pct |
| Loan growth YoY | -4.45% | 54th pct | 49th pct |
| Share growth YoY | 2.93% | 70th pct | 59th pct |
| Efficiency ratio | 83.03% | 45th pct | 44th pct |
structural peer set hash: c8d1df7f206509a25dfcb2d15a680d8d… (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.