AUTO-OWNERS ASSOCIATES
Charter #62543 · LANSING, MI · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 18.39% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.91% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.07% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.98% sits at the 85th percentile of structural peers — worth a closer look.
- Efficiency ratio of 49.28% ranks in the 2nd 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 | AUTO-OWNERS ASSOCIATES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $43.40M | 89th pct | 66th pct |
| Members | 2,547 | 64th pct | 38th pct |
| Net worth ratio | 18.39% | 79th pct | 85th pct |
| Return on average assets | 1.91% | 93th pct | 92th pct |
| Net interest margin | 3.46% | 32th pct | 43th pct |
| Cost of funds | 0.53% | 35th pct | 56th pct |
| Loan-to-share | 19.72% | 3th pct | 5th pct |
| Delinquency 60+ days | 0.07% | 17th pct | 25th pct |
| Net charge-off ratio | 0.98% | 85th pct | 85th pct |
| Loan growth YoY | -2.98% | 46th pct | 49th pct |
| Share growth YoY | 7.98% | 91th pct | 93th pct |
| Efficiency ratio | 49.28% | 3th pct | 2th pct |
structural peer set hash: 23ce8adabf835536160d158ef1802581… (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.