AAC
Charter #62217 · Grand Rapids, MI · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 23.92% ranks in the 97th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.19% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.09% ranks in the 2nd percentile among structurally similar credit unions — a relative strength.
- On Return on average assets, the asset-size band puts this credit union at the 88th percentile but its structural peers at the 69th — a 19-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 | AAC | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $211.22M | 54th pct | 44th pct |
| Members | 14,809 | 58th pct | 57th pct |
| Net worth ratio | 23.92% | 99th pct | 97th pct |
| Return on average assets | 1.47% | 88th pct | 69th pct |
| Net interest margin | 3.59% | 46th pct | 36th pct |
| Cost of funds | 0.19% | 9th pct | 15th pct |
| Loan-to-share | 75.39% | 56th pct | 56th pct |
| Delinquency 60+ days | 0.09% | 6th pct | 2th pct |
| Net charge-off ratio | 0.21% | 33th pct | 30th pct |
| Loan growth YoY | -2.30% | 23th pct | 16th pct |
| Share growth YoY | 3.22% | 46th pct | 52th pct |
| Efficiency ratio | 67.90% | 21th pct | 31th pct |
structural peer set hash: 1f790121963521f3243fdd9157becd95… (reproducible)
Closest structural peers
This is the free public view
Claim AAC
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.